Houston, TX · Charter 20147
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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 the Houston-Pasadena-The Woodlands, TX area (n=65 to 66). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
12
Profitability
47
Liquidity
69
Efficiency
12
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.
Houston, TX · Charter 20147
NCUA · 1 branch
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | -0.10% | -0.47% | -0.02% | -41.07% | -4,130 bps | |
| Return on Equity | 3.03% | -1.37% | -6.25% | -0.23% | n/a | n/a | |
| Net Interest Margin | 5.52% | 5.44% | 4.88% | 5.09% | 5.96% | +45 bps | |
| Efficiency Ratio | 94.81% | 99.74% | 108.17% | 100.29% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.16% | -7.91% | -4.39% | -0.93% | -16.08% | -492 bps | |
| Loan Growth (YoY) | -3.12% | 1.79% | 2.23% | -4.39% | -9.83% | -671 bps | |
| Share Growth (YoY) | -10.91% | -9.63% | -4.74% | 0.00% | 10.41% | +2,132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.93% | 1.92% | 1.15% | 1.79% | 3.20% | +127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.45% | 0.46% | 0.48% | 0.50% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.65% | 7.53% | 7.46% | 7.51% | -21.94% | -2,959 bps | |
| Net Worth / Assets | 7.65% | 7.53% | 7.46% | 7.51% | -21.94% | -2,959 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.99% | 77.03% | 75.20% | 71.26% | 62.06% | -1,393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 20147 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=65-66)
NCUA · 1 branch
Q3 2025
Return on Assets
-41.08%
Rank 66 of 66
Net Interest Margin
5.99%
Rank 4 of 66
Equity / Assets
-21.95%
Rank 66 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -41.08% | 0.20% | 0.70% | 1.16% | Beats 0% | 66 / 66 | |
| Return on Equity | n/a | Not reported for this institution | |||||
| Net Interest Margin | 5.99% | 3.25% | 3.96% | 4.94% | Beats 94% | 4 / 66 | |
| Efficiency Ratio | n/a | Not reported for this institution | |||||
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.21% | 0.40% | 0.78% | 1.98% | Beats 12% | 58 / 65 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | -21.94% | 10.50% | 13.51% | 19.98% | Beats 0% | 66 / 66 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | -21.95% | 10.50% | 13.51% | 19.98% | Beats 0% | 66 / 66 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.06% | 56.55% | 71.61% | 88.65% | 35th pctl | 43 / 66 | |
| Loans / Assets | 75.35% | 49.01% | 60.04% | 74.78% | 80th pctl | 13 / 66 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||