Rio Grande City, TX · Charter 18559
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 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
66
Asset Quality
54
Profitability
75
Liquidity
0
Efficiency
85
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.
Rio Grande City, TX · Charter 18559
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 | 1.38% | 1.36% | 2.19% | 2.02% | 1.89% | 1.84% | 1.68% | 1.64% | -38 bps | |
| Return on Equity | 8.66% | 8.29% | 13.74% | 12.43% | 11.31% | 10.76% | 9.91% | 9.76% | -268 bps | |
| Net Interest Margin | 4.19% | 4.20% | 4.08% | 4.16% | 4.25% | 4.27% | 4.00% | 3.92% | -24 bps | |
| Efficiency Ratio | 71.50% | 72.01% | 59.15% | 60.05% | 62.88% | 63.39% | 66.00% | 65.39% | +534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.12% | 1.33% | 6.57% | 5.77% | 6.92% | 6.87% | 4.64% | 6.61% | +84 bps | |
| Loan Growth (YoY) | 1.15% | -0.71% | -1.30% | -1.76% | -3.40% | -3.25% | -2.76% | -7.13% | -537 bps | |
| Share Growth (YoY) | -0.24% | 0.43% | 6.98% | 5.00% | 5.76% | 5.77% | 3.39% | 5.73% | +72 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.22% | 0.03% | 0.74% | 0.60% | 0.47% | 0.43% | 0.51% | -22 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 | 15.99% | 16.40% | 15.93% | 16.26% | 16.67% | 17.07% | 16.90% | 16.85% | +59 bps | |
| Net Worth / Assets | 15.99% | 16.40% | 15.93% | 16.26% | 16.67% | 17.07% | 16.90% | 16.85% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.92% | 27.79% | 25.37% | 25.80% | 25.50% | 25.42% | 23.86% | 22.66% | -314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rio Grande City, TX · Charter 18559 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
1.64%
Rank 25 of 235
Net Interest Margin
3.92%
Rank 113 of 235
Efficiency Ratio
65.40%
Rank 37 of 235
Equity / Assets
16.86%
Rank 80 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.17% | 0.57% | 1.10% | Beats 89% | 25 / 235 | ||
| Return on Equity | 9.76% | 1.03% | 4.30% | 7.58% | Beats 85% | 36 / 235 | ||
| Net Interest Margin | 3.92% | 3.32% | 3.89% | 4.35% | Beats 52% | 113 / 235 | ||
| Efficiency Ratio | 65.40% | 70.60% | 82.00% | 91.57% | Beats 85% | 37 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.20% | 0.59% | 1.14% | Beats 54% | 109 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.86% | 11.30% | 14.41% | 19.49% | Beats 66% | 80 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.86% | 11.30% | 14.41% | 19.49% | Beats 66% | 80 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 22.66% | 54.18% | 67.38% | 81.66% | 1st pctl | 233 / 235 | ||
| Loans / Assets | 18.70% | 43.80% | 56.63% | 68.64% | 1st pctl | 232 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||