Big Spring, TX · Charter 1750
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
28
Asset Quality
79
Profitability
95
Liquidity
72
Efficiency
63
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.
Big Spring, TX · Charter 1750
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 | 1.54% | 1.25% | 2.12% | 1.31% | 1.75% | 1.06% | 0.55% | 1.68% | +38 bps | |
| Return on Equity | 14.05% | 11.21% | 19.77% | 11.45% | 14.09% | 8.54% | 4.78% | 14.51% | +306 bps | |
| Net Interest Margin | 3.89% | 4.02% | 4.13% | 4.51% | 5.65% | 5.39% | 4.18% | 5.57% | +106 bps | |
| Efficiency Ratio | 74.26% | 79.10% | 69.91% | 79.30% | 75.94% | 80.20% | 90.19% | 76.11% | -319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.73% | 0.31% | 4.38% | -0.19% | -2.08% | -1.70% | 0.19% | 5.37% | +556 bps | |
| Loan Growth (YoY) | 19.21% | 24.93% | 22.89% | 25.34% | 15.39% | 11.83% | 11.14% | 2.71% | -2,262 bps | |
| Share Growth (YoY) | -0.94% | -0.88% | 3.79% | -1.09% | -4.47% | -2.55% | -0.77% | 5.77% | +687 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.31% | 0.23% | 0.10% | 0.23% | 0.40% | 0.06% | 0.15% | +5 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 | 10.95% | 11.13% | 10.70% | 11.39% | 12.45% | 12.38% | 11.55% | 11.60% | +20 bps | |
| Net Worth / Assets | 10.95% | 11.13% | 10.70% | 11.39% | 12.45% | 12.38% | 11.55% | 11.60% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.59% | 55.75% | 53.77% | 61.93% | 63.53% | 63.97% | 60.23% | 60.14% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Big Spring, TX · Charter 1750 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.68%
Rank 22 of 235
Net Interest Margin
5.57%
Rank 8 of 235
Efficiency Ratio
76.09%
Rank 88 of 235
Equity / Assets
11.60%
Rank 169 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.68% | 0.17% | 0.57% | 1.10% | Beats 91% | 22 / 235 | ||
| Return on Equity | 14.52% | 1.03% | 4.30% | 7.58% | Beats 97% | 7 / 235 | ||
| Net Interest Margin | 5.57% | 3.32% | 3.89% | 4.35% | Beats 97% | 8 / 235 | ||
| Efficiency Ratio | 76.09% | 70.60% | 82.00% | 91.57% | Beats 63% | 88 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.59% | 1.14% | Beats 79% | 50 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.60% | 11.30% | 14.41% | 19.49% | Beats 28% | 169 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.60% | 11.30% | 14.41% | 19.49% | Beats 28% | 169 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.14% | 54.18% | 67.38% | 81.66% | 35th pctl | 153 / 235 | ||
| Loans / Assets | 52.94% | 43.80% | 56.63% | 68.64% | 43rd pctl | 135 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||