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Assumption Beaumont

Beaumont, TX · Charter 17243

NCUA · 1 branch

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Beaumont-Port Arthur, TX area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Beaumont-Port Arthur, TX area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

93

Q2 2024Q2 2025peer median (50)

Asset Quality

100

Q2 2024Q1 2025peer median (50)

Profitability

47

Q2 2024Q2 2025peer median (50)

Liquidity

32

Q2 2024Q1 2025peer median

Efficiency

73

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Assumption Beaumont

Beaumont, TX · Charter 17243

NCUA · 1 branch

Q2 2025

$0KAssets
$0KLoans
$0KShares
$0KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -26629.89%, down 2,663,403 bps year over year; NIM at -26316.30%.
  • Capital: net worth / assets of 100.00%, up 9,011 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-26630%-2,663,403 bps YoY

Net Interest Margin (YTD, annualized)

-26316%-2,632,133 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

100.00%+9,011 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets4.13%4.17%0.00%0.35%-26630%-2,663,403 bps
Return on Equity41.81%35.55%0.03%3.91%-26630%-2,667,170 bps
Net Interest Margin5.03%5.08%0.93%2.70%-26316%-2,632,133 bps
Efficiency Ratio18.31%18.82%99.68%87.21%n/an/a
Growth
Asset Growth (YoY)18.91%5.30%-47.46%-41.81%-99.94%-11,885 bps
Loan Growth (YoY)36.05%33.70%-62.45%-62.60%-100.00%-13,605 bps
Share Growth (YoY)19.01%3.31%-49.32%-43.82%-100.00%-11,901 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.71%0.89%1.07%1.21%n/an/a
Capital
Risk-Based Capital9.89%11.74%8.91%8.99%100.00%+9,011 bps
Net Worth / Assets9.89%11.74%8.91%8.99%100.00%+9,011 bps
Liquidity & Funding
Loans / Shares81.97%72.92%60.99%53.84%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Assumption Beaumont

Beaumont, TX · Charter 17243 · Peer group: credit unions under $1B in assets in the Beaumont-Port Arthur, TX area (n=15)

NCUA · 1 branch

Q2 2025

$0KAssets
$0KLoans
$0KShares
$0KNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets in the Beaumont-Port Arthur, TX area (rank 1 of 15).
  • Widest gap: return on assets trails 100% of credit unions under $1B in assets in the Beaumont-Port Arthur, TX area (rank 15 of 15).
  • Overall: at or above the peer median on 2 of 3 directional measures.

Return on Assets

-26630%

Rank 15 of 15

Net Interest Margin

1443%

Rank 1 of 15

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-26630%-0.15%0.34%0.78%Beats 0%15 / 15
Return on Equityn/aNot reported for this institution
Net Interest Margin1443%3.16%3.38%4.47%Beats 93%1 / 15
Efficiency Ration/aNot reported for this institution
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio100.00%10.40%14.38%22.19%Beats 93%1 / 15
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assetsn/aNot reported for this institution
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assetsn/aNot reported for this institution
Brokered Deposits / Depositsn/aNot reported for this institution