La Porte, TX · Charter 17253
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
100
Profitability
75
Liquidity
88
Efficiency
65
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.
La Porte, TX · Charter 17253
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.82% | 0.92% | 1.65% | 1.62% | 1.68% | 0.88% | 1.13% | 1.20% | -43 bps | |
| Return on Equity | 10.20% | 5.44% | 9.69% | 9.75% | 9.70% | 5.52% | 6.84% | 7.03% | -272 bps | |
| Net Interest Margin | 5.12% | 4.47% | 5.06% | 4.93% | 5.06% | 4.16% | 4.62% | 4.79% | -14 bps | |
| Efficiency Ratio | 67.77% | 81.58% | 70.16% | 69.94% | 69.58% | 80.87% | 77.97% | 77.36% | +741 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 2.60% | 3.89% | 10.36% | 7.98% | 11.21% | 8.09% | 2.07% | -829 bps | |
| Loan Growth (YoY) | 16.00% | 25.80% | 16.34% | 13.88% | 12.13% | 3.93% | 4.22% | 12.83% | -105 bps | |
| Share Growth (YoY) | 0.59% | 2.60% | 3.80% | 10.81% | 7.84% | 12.27% | 8.86% | 1.51% | -930 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.82% | 16.84% | 17.03% | 16.64% | 17.38% | 16.03% | 16.55% | 17.01% | +37 bps | |
| Net Worth / Assets | 17.82% | 16.84% | 17.03% | 16.64% | 17.38% | 16.03% | 16.55% | 17.01% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.28% | 61.82% | 63.03% | 61.53% | 64.76% | 57.22% | 60.34% | 68.39% | +686 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
La Porte, TX · Charter 17253 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
1.19%
Rank 16 of 63
Net Interest Margin
4.80%
Rank 16 of 63
Efficiency Ratio
77.24%
Rank 23 of 63
Equity / Assets
17.01%
Rank 21 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.11% | 0.53% | 1.19% | Beats 75% | 16 / 63 | ||
| Return on Equity | 7.00% | 1.09% | 3.60% | 6.92% | Beats 76% | 15 / 62 | ||
| Net Interest Margin | 4.80% | 3.19% | 4.06% | 4.80% | Beats 75% | 16 / 63 | ||
| Efficiency Ratio | 77.24% | 72.55% | 82.57% | 90.97% | Beats 65% | 23 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.32% | 0.64% | 1.62% | Beats 100% | 8 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.01% | 10.13% | 12.81% | 19.70% | Beats 67% | 21 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.01% | 10.13% | 12.81% | 19.70% | Beats 67% | 21 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.39% | 55.42% | 71.20% | 87.46% | 46th pctl | 34 / 63 | ||
| Loans / Assets | 55.80% | 48.43% | 59.68% | 73.12% | 38th pctl | 39 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||