Brownsville, TX · Charter 20392
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
94
Asset Quality
62
Profitability
46
Liquidity
21
Efficiency
47
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.
Brownsville, TX · Charter 20392
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 | 1.16% | 1.07% | 1.12% | 0.27% | 0.32% | -84 bps | |
| Return on Equity | 3.91% | 3.45% | 3.38% | 0.84% | 1.00% | -291 bps | |
| Net Interest Margin | 4.94% | 5.06% | 5.31% | 4.60% | 4.54% | -40 bps | |
| Efficiency Ratio | 74.47% | 74.31% | 72.92% | 81.13% | 83.31% | +884 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.57% | -1.18% | -4.59% | -5.56% | -4.85% | -842 bps | |
| Loan Growth (YoY) | -13.75% | -13.64% | -15.62% | -15.31% | -20.88% | -713 bps | |
| Share Growth (YoY) | 2.66% | -3.61% | -8.27% | -8.95% | -8.04% | -1,070 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.84% | 0.85% | 0.44% | 0.77% | 0.40% | -144 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.78% | 0.82% | 0.88% | 0.92% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.79% | 30.93% | 33.11% | 32.04% | 31.93% | +214 bps | |
| Net Worth / Assets | 29.79% | 30.93% | 33.11% | 32.04% | 31.93% | +214 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.29% | 54.42% | 57.09% | 51.88% | 46.71% | -758 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brownsville, TX · Charter 20392 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.32%
Rank 155 of 235
Net Interest Margin
4.55%
Rank 44 of 235
Efficiency Ratio
82.82%
Rank 125 of 235
Equity / Assets
31.93%
Rank 13 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.17% | 0.57% | 1.10% | Beats 34% | 155 / 235 | |
| Return on Equity | 1.01% | 1.03% | 4.30% | 7.58% | Beats 24% | 179 / 235 | |
| Net Interest Margin | 4.55% | 3.32% | 3.89% | 4.35% | Beats 81% | 44 / 235 | |
| Efficiency Ratio | 82.82% | 70.60% | 82.00% | 91.57% | Beats 47% | 125 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.20% | 0.59% | 1.14% | Beats 62% | 91 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 31.93% | 11.30% | 14.41% | 19.49% | Beats 94% | 13 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 31.93% | 11.30% | 14.41% | 19.49% | Beats 94% | 13 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.71% | 54.18% | 67.38% | 81.66% | 15th pctl | 200 / 235 | |
| Loans / Assets | 31.24% | 43.80% | 56.63% | 68.64% | 9th pctl | 214 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||