El Paso, TX · Charter 1792
NCUA · 10 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 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
21
Asset Quality
89
Profitability
14
Liquidity
76
Efficiency
18
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.
El Paso, TX · Charter 1792
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -0.15% | -0.34% | -0.19% | 0.05% | +13 bps | |
| Return on Equity | -0.72% | -1.35% | -3.13% | -1.80% | 0.49% | +121 bps | |
| Net Interest Margin | 2.48% | 2.52% | 2.51% | 2.51% | 2.57% | +9 bps | |
| Efficiency Ratio | 96.44% | 97.24% | 102.73% | 99.95% | 94.81% | -163 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.68% | -1.04% | 1.37% | 0.46% | 0.46% | +114 bps | |
| Loan Growth (YoY) | -2.07% | -0.12% | -4.62% | -2.35% | -1.85% | +22 bps | |
| Share Growth (YoY) | -1.73% | -1.29% | 0.10% | -0.45% | -0.24% | +149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.11% | 0.47% | 0.04% | 0.04% | -5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.12% | 11.06% | 10.76% | 10.68% | 10.80% | -32 bps | |
| Net Worth / Assets | 11.12% | 11.06% | 10.76% | 10.68% | 10.80% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.40% | 74.51% | 73.47% | 72.33% | 73.21% | -120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Paso, TX · Charter 1792 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 10 branches
Q2 2026
Return on Assets
0.05%
Rank 192 of 235
Net Interest Margin
2.57%
Rank 227 of 235
Efficiency Ratio
94.80%
Rank 194 of 235
Equity / Assets
10.80%
Rank 185 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.17% | 0.57% | 1.10% | Beats 18% | 192 / 235 | |
| Return on Equity | 0.49% | 1.03% | 4.30% | 7.58% | Beats 20% | 188 / 235 | |
| Net Interest Margin | 2.57% | 3.32% | 3.89% | 4.35% | Beats 3% | 227 / 235 | |
| Efficiency Ratio | 94.80% | 70.60% | 82.00% | 91.57% | Beats 18% | 194 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.20% | 0.59% | 1.14% | Beats 89% | 27 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.80% | 11.30% | 14.41% | 19.49% | Beats 21% | 185 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.80% | 11.30% | 14.41% | 19.49% | Beats 21% | 185 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.21% | 54.18% | 67.38% | 81.66% | 62nd pctl | 89 / 235 | |
| Loans / Assets | 64.21% | 43.80% | 56.63% | 68.64% | 68th pctl | 75 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||