Port Lavaca, TX · Charter 18935
NCUA · 3 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
36
Asset Quality
84
Profitability
48
Liquidity
70
Efficiency
82
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.
Port Lavaca, TX · Charter 18935
NCUA · 3 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 | 1.22% | 1.16% | 1.07% | 0.93% | 0.91% | -32 bps | |
| Return on Equity | 10.40% | 9.71% | 8.91% | 7.58% | 7.26% | -314 bps | |
| Net Interest Margin | 2.80% | 2.83% | 2.85% | 2.82% | 2.80% | 0 bps | |
| Efficiency Ratio | 59.88% | 60.88% | 63.30% | 66.33% | 67.46% | +758 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.27% | 9.93% | 6.15% | 2.37% | 1.25% | -1,203 bps | |
| Loan Growth (YoY) | 2.90% | 4.40% | 2.56% | -1.85% | -2.80% | -571 bps | |
| Share Growth (YoY) | 13.08% | 9.45% | 5.93% | 1.79% | 0.56% | -1,252 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.18% | 0.28% | 0.08% | 0.09% | -20 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 | 11.76% | 11.96% | 12.05% | 12.31% | 12.47% | +71 bps | |
| Net Worth / Assets | 11.76% | 11.96% | 12.05% | 12.31% | 12.47% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.52% | 61.71% | 59.89% | 58.85% | 59.46% | -206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Port Lavaca, TX · Charter 18935 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
0.91%
Rank 81 of 235
Net Interest Margin
2.80%
Rank 220 of 235
Efficiency Ratio
67.46%
Rank 43 of 235
Equity / Assets
12.47%
Rank 150 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.17% | 0.57% | 1.10% | Beats 66% | 81 / 235 | |
| Return on Equity | 7.26% | 1.03% | 4.30% | 7.58% | Beats 72% | 65 / 235 | |
| Net Interest Margin | 2.80% | 3.32% | 3.89% | 4.35% | Beats 6% | 220 / 235 | |
| Efficiency Ratio | 67.46% | 70.60% | 82.00% | 91.57% | Beats 82% | 43 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.20% | 0.59% | 1.14% | Beats 84% | 38 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.47% | 11.30% | 14.41% | 19.49% | Beats 36% | 150 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.47% | 11.30% | 14.41% | 19.49% | Beats 36% | 150 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.46% | 54.18% | 67.38% | 81.66% | 33rd pctl | 157 / 235 | |
| Loans / Assets | 52.25% | 43.80% | 56.63% | 68.64% | 41st pctl | 139 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||