Texas Lee 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
$914K Assets
$568K Loans
$784K Shares
$124K Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 8 of 63). Widest gap: net interest margin trails 95% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 60 of 63). Overall: at or above the peer median on 6 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (62 to 63 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11