Houston, TX · Charter 18218
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
56
Asset Quality
100
Profitability
48
Liquidity
95
Efficiency
95
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.
Houston, TX · Charter 18218
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 | 3.69% | 2.17% | 3.11% | 3.05% | 3.27% | 1.65% | 1.04% | 0.98% | -207 bps | |
| Return on Equity | 30.77% | 19.05% | 25.32% | 23.75% | 23.41% | 12.58% | 7.81% | 7.25% | -1,650 bps | |
| Net Interest Margin | 4.29% | 2.86% | 3.57% | 3.56% | 3.82% | 2.67% | 2.68% | 2.02% | -155 bps | |
| Efficiency Ratio | 13.95% | 24.19% | 12.80% | 14.36% | 14.57% | 38.36% | 61.09% | 51.25% | +3,688 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.76% | 8.90% | 1.24% | 2.42% | -0.78% | -0.58% | 0.37% | -1.12% | -355 bps | |
| Loan Growth (YoY) | 17.77% | 15.09% | 1.44% | -5.41% | -19.24% | -15.57% | -6.67% | 17.90% | +2,331 bps | |
| Share Growth (YoY) | 8.13% | 7.23% | -0.48% | 0.89% | -2.88% | -2.48% | -1.22% | -2.64% | -353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.42% | 0.00% | 0 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 | 0.04% | 0.03% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.99% | 11.38% | 12.28% | 12.85% | 13.95% | 13.10% | 13.37% | 13.58% | +72 bps | |
| Net Worth / Assets | 11.99% | 11.38% | 12.28% | 12.85% | 13.95% | 13.10% | 13.37% | 13.58% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.43% | 71.70% | 67.47% | 59.80% | 58.57% | 62.08% | 63.75% | 72.42% | +1,262 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 18218 · 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
0.88%
Rank 20 of 63
Net Interest Margin
1.97%
Rank 60 of 63
Efficiency Ratio
55.56%
Rank 4 of 63
Equity / Assets
13.57%
Rank 28 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.11% | 0.53% | 1.19% | Beats 68% | 20 / 63 | ||
| Return on Equity | 6.45% | 1.09% | 3.60% | 6.92% | Beats 71% | 18 / 62 | ||
| Net Interest Margin | 1.97% | 3.19% | 4.06% | 4.80% | Beats 5% | 60 / 63 | ||
| Efficiency Ratio | 55.56% | 72.55% | 82.57% | 90.97% | Beats 95% | 4 / 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 | 13.57% | 10.13% | 12.81% | 19.70% | Beats 56% | 28 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.57% | 10.13% | 12.81% | 19.70% | Beats 56% | 28 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.45% | 55.42% | 71.20% | 87.46% | 51st pctl | 31 / 63 | ||
| Loans / Assets | 62.14% | 48.43% | 59.68% | 73.12% | 56th pctl | 28 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||