Pearsall, TX · Charter 20267
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
97
Asset Quality
47
Profitability
37
Liquidity
0
Efficiency
14
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.
Pearsall, TX · Charter 20267
NCUA · 3 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 | 0.63% | 1.04% | 1.62% | 2.07% | -1.35% | -0.23% | -3.22% | -1.42% | -348 bps | |
| Return on Equity | 2.04% | 3.19% | 4.31% | 5.41% | -3.62% | -0.61% | -8.66% | -3.79% | -920 bps | |
| Net Interest Margin | 5.55% | 5.85% | 8.38% | 8.09% | 7.23% | 7.19% | 7.69% | 7.06% | -103 bps | |
| Efficiency Ratio | 89.30% | 83.35% | 81.56% | 75.73% | 95.07% | 86.13% | 99.31% | 97.04% | +2,131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.62% | -3.15% | -16.45% | -17.75% | -17.59% | -15.11% | -3.69% | -2.64% | +1,512 bps | |
| Loan Growth (YoY) | -1.22% | 1.59% | -7.35% | -8.31% | -13.56% | -12.53% | -3.55% | -6.05% | +225 bps | |
| Share Growth (YoY) | -2.86% | -5.45% | -24.86% | -27.04% | -25.22% | -22.79% | -3.75% | -1.51% | +2,553 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.92% | 2.18% | 0.00% | 1.29% | 2.81% | 1.26% | 0.63% | +63 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 | 0.60% | 0.59% | 1.09% | 1.38% | 1.41% | 1.77% | 0.90% | 1.04% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.14% | 32.68% | 37.57% | 38.22% | 37.35% | 38.19% | 37.23% | 37.35% | -87 bps | |
| Net Worth / Assets | 31.14% | 32.68% | 37.57% | 38.22% | 37.35% | 38.19% | 37.23% | 37.35% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.63% | 119.13% | 130.08% | 132.14% | 131.36% | 134.96% | 130.36% | 126.03% | -610 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pearsall, TX · Charter 20267 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
-1.42%
Rank 226 of 235
Net Interest Margin
7.08%
Rank 1 of 235
Efficiency Ratio
97.04%
Rank 204 of 235
Equity / Assets
37.37%
Rank 7 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 4% | 226 / 235 | ||
| Return on Equity | -3.81% | 1.03% | 4.30% | 7.58% | Beats 7% | 218 / 235 | ||
| Net Interest Margin | 7.08% | 3.32% | 3.89% | 4.35% | Beats 100% | 1 / 235 | ||
| Efficiency Ratio | 97.04% | 70.60% | 82.00% | 91.57% | Beats 14% | 204 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.20% | 0.59% | 1.14% | Beats 47% | 126 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 37.37% | 11.30% | 14.41% | 19.49% | Beats 97% | 7 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 37.37% | 11.30% | 14.41% | 19.49% | Beats 97% | 7 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 126.04% | 54.18% | 67.38% | 81.66% | 100th pctl | 1 / 235 | ||
| Loans / Assets | 78.78% | 43.80% | 56.63% | 68.64% | 94th pctl | 15 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||