Rockdale, TX · Charter 19926
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
29
Asset Quality
86
Profitability
74
Liquidity
59
Efficiency
76
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.
Rockdale, TX · Charter 19926
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 | 0.85% | 0.88% | 1.10% | 1.13% | 1.20% | 1.21% | 1.35% | 1.42% | +29 bps | |
| Return on Equity | 8.12% | 8.38% | 10.47% | 10.35% | 10.81% | 10.64% | 11.97% | 12.17% | +183 bps | |
| Net Interest Margin | 3.17% | 3.23% | 3.54% | 3.67% | 3.66% | 3.68% | 3.74% | 3.84% | +17 bps | |
| Efficiency Ratio | 77.89% | 77.11% | 73.29% | 72.37% | 71.54% | 71.92% | 71.33% | 70.53% | -184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.33% | 6.86% | 6.16% | 5.77% | 4.87% | 3.46% | 4.57% | 5.62% | -16 bps | |
| Loan Growth (YoY) | 11.21% | 8.67% | 8.86% | 10.39% | 10.03% | 13.47% | 16.01% | 17.90% | +751 bps | |
| Share Growth (YoY) | 5.41% | 7.23% | 5.91% | 5.34% | 4.23% | 2.57% | 3.67% | 5.09% | -25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.19% | 0.10% | 0.10% | 0.02% | 0.10% | 0.06% | 0.08% | -3 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 | 10.44% | 10.51% | 10.52% | 10.92% | 11.07% | 11.33% | 11.28% | 11.65% | +73 bps | |
| Net Worth / Assets | 10.44% | 10.51% | 10.52% | 10.92% | 11.07% | 11.33% | 11.28% | 11.65% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.23% | 49.03% | 48.73% | 50.36% | 51.97% | 54.24% | 54.53% | 56.50% | +614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rockdale, TX · Charter 19926 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
1.42%
Rank 39 of 235
Net Interest Margin
3.84%
Rank 125 of 235
Efficiency Ratio
70.50%
Rank 58 of 235
Equity / Assets
11.65%
Rank 167 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 0.17% | 0.57% | 1.10% | Beats 83% | 39 / 235 | ||
| Return on Equity | 12.18% | 1.03% | 4.30% | 7.58% | Beats 93% | 16 / 235 | ||
| Net Interest Margin | 3.84% | 3.32% | 3.89% | 4.35% | Beats 47% | 125 / 235 | ||
| Efficiency Ratio | 70.50% | 70.60% | 82.00% | 91.57% | Beats 76% | 58 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.20% | 0.59% | 1.14% | Beats 86% | 34 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.65% | 11.30% | 14.41% | 19.49% | Beats 29% | 167 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.65% | 11.30% | 14.41% | 19.49% | Beats 29% | 167 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.49% | 54.18% | 67.38% | 81.66% | 28th pctl | 169 / 235 | ||
| Loans / Assets | 50.61% | 43.80% | 56.63% | 68.64% | 37th pctl | 148 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||