Bonham, TX · Charter 17254
NCUA · 1 branch
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 TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
48
Profitability
85
Liquidity
83
Efficiency
98
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.
Bonham, TX · Charter 17254
NCUA · 1 branch
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 | 2.97% | 2.88% | 2.25% | 2.51% | 2.44% | 2.43% | 2.48% | 2.39% | -12 bps | |
| Return on Equity | 16.97% | 16.14% | 12.56% | 13.41% | 12.70% | 12.51% | 12.42% | 11.82% | -159 bps | |
| Net Interest Margin | 4.52% | 4.45% | 4.20% | 4.31% | 4.27% | 4.23% | 4.13% | 4.11% | -20 bps | |
| Efficiency Ratio | 43.51% | 44.69% | 48.81% | 46.87% | 47.12% | 47.00% | 49.75% | 48.44% | +156 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.01% | 7.97% | 9.11% | 6.42% | 4.89% | 4.80% | 2.48% | 4.92% | -150 bps | |
| Loan Growth (YoY) | 3.12% | 2.19% | 2.10% | 0.80% | -1.88% | -2.22% | -3.92% | -4.89% | -570 bps | |
| Share Growth (YoY) | 1.06% | 6.07% | 7.15% | 4.00% | 3.21% | 2.93% | 0.00% | 3.55% | -45 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.54% | 0.30% | 0.26% | 0.46% | 0.23% | 0.26% | 0.61% | +35 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 | 17.51% | 17.84% | 17.91% | 18.71% | 19.20% | 19.45% | 19.97% | 20.21% | +150 bps | |
| Net Worth / Assets | 17.51% | 17.84% | 17.91% | 18.71% | 19.20% | 19.45% | 19.97% | 20.21% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.40% | 69.71% | 67.47% | 68.41% | 66.93% | 66.23% | 64.82% | 62.84% | -558 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bonham, TX · Charter 17254 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
2.39%
Rank 8 of 235
Net Interest Margin
4.11%
Rank 79 of 235
Efficiency Ratio
48.45%
Rank 6 of 235
Equity / Assets
20.21%
Rank 55 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.39% | 0.17% | 0.57% | 1.10% | Beats 97% | 8 / 235 | ||
| Return on Equity | 11.81% | 1.03% | 4.30% | 7.58% | Beats 92% | 18 / 235 | ||
| Net Interest Margin | 4.11% | 3.32% | 3.89% | 4.35% | Beats 66% | 79 / 235 | ||
| Efficiency Ratio | 48.45% | 70.60% | 82.00% | 91.57% | Beats 98% | 6 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.20% | 0.59% | 1.14% | Beats 48% | 123 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.21% | 11.30% | 14.41% | 19.49% | Beats 77% | 55 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.21% | 11.30% | 14.41% | 19.49% | Beats 77% | 55 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.84% | 54.18% | 67.38% | 81.66% | 40th pctl | 140 / 235 | ||
| Loans / Assets | 49.96% | 43.80% | 56.63% | 68.64% | 36th pctl | 151 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||