Pasadena, TX · Charter 20469
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 the Houston-Pasadena-The Woodlands, TX area (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
81
Profitability
66
Liquidity
10
Efficiency
70
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.
Pasadena, TX · Charter 20469
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 | 0.93% | 1.00% | 1.01% | 0.70% | 0.62% | -31 bps | |
| Return on Equity | 6.81% | 7.39% | 7.21% | 5.34% | 4.47% | -234 bps | |
| Net Interest Margin | 5.03% | 4.89% | 4.96% | 4.65% | 4.92% | -11 bps | |
| Efficiency Ratio | 74.00% | 72.54% | 73.86% | 77.00% | 76.70% | +270 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.70% | 6.31% | 1.90% | 9.34% | 3.65% | +295 bps | |
| Loan Growth (YoY) | 7.65% | 3.51% | -2.99% | -0.85% | 1.43% | -622 bps | |
| Share Growth (YoY) | 1.37% | 8.11% | 3.07% | 7.73% | 4.46% | +309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.35% | 0.63% | 0.64% | 0.23% | -16 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 | 13.62% | 13.51% | 13.95% | 13.17% | 13.85% | +23 bps | |
| Net Worth / Assets | 13.62% | 13.51% | 13.95% | 13.17% | 13.85% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.48% | 90.52% | 92.05% | 89.23% | 93.68% | -280 bps | |
| Liquid Assets / Assets | 0.00% | 98.37% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pasadena, TX · Charter 20469 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.63%
Rank 29 of 63
Net Interest Margin
4.92%
Rank 11 of 63
Efficiency Ratio
76.74%
Rank 20 of 63
Equity / Assets
13.85%
Rank 27 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.11% | 0.53% | 1.19% | Beats 54% | 29 / 63 | |
| Return on Equity | 4.51% | 1.09% | 3.60% | 6.92% | Beats 60% | 25 / 62 | |
| Net Interest Margin | 4.92% | 3.19% | 4.06% | 4.80% | Beats 83% | 11 / 63 | |
| Efficiency Ratio | 76.74% | 72.55% | 82.57% | 90.97% | Beats 70% | 20 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.32% | 0.64% | 1.62% | Beats 81% | 13 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.85% | 10.13% | 12.81% | 19.70% | Beats 57% | 27 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.85% | 10.13% | 12.81% | 19.70% | Beats 57% | 27 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.68% | 55.42% | 71.20% | 87.46% | 84th pctl | 10 / 63 | |
| Loans / Assets | 79.72% | 48.43% | 59.68% | 73.12% | 90th pctl | 6 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||