Nursery, TX · Charter 18816
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
94
Asset Quality
58
Profitability
44
Liquidity
0
Efficiency
80
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.
Nursery, TX · Charter 18816
NCUA · 1 branch
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 | 1.86% | 1.87% | 1.82% | -0.52% | 0.48% | -139 bps | |
| Return on Equity | 6.31% | 6.32% | 5.92% | -1.71% | 1.55% | -476 bps | |
| Net Interest Margin | 4.21% | 4.16% | 4.20% | 3.91% | 3.98% | -24 bps | |
| Efficiency Ratio | 61.03% | 59.50% | 60.67% | 73.41% | 68.39% | +736 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.58% | -4.68% | -6.38% | -2.29% | -0.87% | +572 bps | |
| Loan Growth (YoY) | 7.58% | -2.05% | -11.99% | -13.09% | -20.03% | -2,761 bps | |
| Share Growth (YoY) | -11.19% | -8.76% | -11.15% | -4.84% | -2.79% | +839 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.55% | 0.39% | 0.88% | 0.44% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.04% | 0.01% | -0.25% | 0.28% | 0.30% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.54% | 29.64% | 30.81% | 30.27% | 30.91% | +137 bps | |
| Net Worth / Assets | 29.54% | 29.64% | 30.81% | 30.27% | 30.91% | +137 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 113.78% | 108.70% | 104.11% | 98.91% | 93.61% | -2,017 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nursery, TX · Charter 18816 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.47%
Rank 130 of 235
Net Interest Margin
3.99%
Rank 100 of 235
Efficiency Ratio
68.47%
Rank 47 of 235
Equity / Assets
30.92%
Rank 15 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.17% | 0.57% | 1.10% | Beats 45% | 130 / 235 | |
| Return on Equity | 1.52% | 1.03% | 4.30% | 7.58% | Beats 30% | 165 / 235 | |
| Net Interest Margin | 3.99% | 3.32% | 3.89% | 4.35% | Beats 57% | 100 / 235 | |
| Efficiency Ratio | 68.47% | 70.60% | 82.00% | 91.57% | Beats 80% | 47 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.45% | 0.20% | 0.59% | 1.14% | Beats 58% | 99 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 30.92% | 11.30% | 14.41% | 19.49% | Beats 94% | 15 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 30.92% | 11.30% | 14.41% | 19.49% | Beats 94% | 15 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.61% | 54.18% | 67.38% | 81.66% | 92nd pctl | 18 / 235 | |
| Loans / Assets | 64.53% | 43.80% | 56.63% | 68.64% | 69th pctl | 74 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||