Bonham, TX · Charter 19741
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
92
Asset Quality
8
Profitability
36
Liquidity
0
Efficiency
54
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.
Bonham, TX · Charter 19741
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 | 0.92% | 0.98% | 0.89% | 0.94% | 0.29% | -64 bps | |
| Return on Equity | 3.45% | 3.72% | 3.24% | 3.29% | 1.01% | -244 bps | |
| Net Interest Margin | 3.70% | 3.70% | 3.80% | 4.23% | 3.96% | +26 bps | |
| Efficiency Ratio | 75.72% | 74.00% | 77.18% | 77.45% | 80.29% | +457 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.32% | 4.62% | 0.92% | -2.72% | -3.61% | -493 bps | |
| Loan Growth (YoY) | -3.33% | 4.42% | 9.54% | 5.79% | 3.92% | +725 bps | |
| Share Growth (YoY) | 0.19% | 4.89% | -0.03% | -4.99% | -6.00% | -619 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.55% | 0.28% | 1.07% | 2.05% | 2.65% | +110 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 | 26.75% | 26.51% | 27.46% | 28.58% | 28.33% | +158 bps | |
| Net Worth / Assets | 26.75% | 26.51% | 27.46% | 28.58% | 28.33% | +158 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.15% | 102.24% | 109.30% | 110.83% | 110.72% | +1,057 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bonham, TX · Charter 19741 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.28%
Rank 159 of 235
Net Interest Margin
3.95%
Rank 109 of 235
Efficiency Ratio
80.20%
Rank 110 of 235
Equity / Assets
28.33%
Rank 18 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.17% | 0.57% | 1.10% | Beats 32% | 159 / 235 | |
| Return on Equity | 0.99% | 1.03% | 4.30% | 7.58% | Beats 23% | 180 / 235 | |
| Net Interest Margin | 3.95% | 3.32% | 3.89% | 4.35% | Beats 54% | 109 / 235 | |
| Efficiency Ratio | 80.20% | 70.60% | 82.00% | 91.57% | Beats 54% | 110 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.66% | 0.20% | 0.59% | 1.14% | Beats 8% | 217 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 28.33% | 11.30% | 14.41% | 19.49% | Beats 92% | 18 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 28.33% | 11.30% | 14.41% | 19.49% | Beats 92% | 18 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 110.71% | 54.18% | 67.38% | 81.66% | 98th pctl | 4 / 235 | |
| Loans / Assets | 78.20% | 43.80% | 56.63% | 68.64% | 92nd pctl | 18 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||