Edna, TX · Charter 20581
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
39
Asset Quality
100
Profitability
35
Liquidity
34
Efficiency
34
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.
Edna, TX · Charter 20581
NCUA · 1 branch
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 | 0.76% | 0.73% | 0.56% | 0.69% | 0.70% | 0.61% | 0.44% | 0.40% | -28 bps | |
| Return on Equity | 6.74% | 6.56% | 4.99% | 6.10% | 6.02% | 5.22% | 3.76% | 3.20% | -290 bps | |
| Net Interest Margin | 3.20% | 3.19% | 3.23% | 3.23% | 3.29% | 3.29% | 3.21% | 3.39% | +16 bps | |
| Efficiency Ratio | 77.39% | 78.05% | 81.33% | 78.51% | 79.04% | 81.74% | 86.79% | 87.40% | +890 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | 1.80% | 4.16% | 3.59% | 3.43% | 0.74% | -0.50% | -7.81% | -1,140 bps | |
| Loan Growth (YoY) | -4.42% | -6.37% | -9.54% | -4.74% | -4.95% | -3.39% | -1.73% | -4.79% | -5 bps | |
| Share Growth (YoY) | -0.61% | 1.15% | 3.85% | 3.21% | 2.95% | 0.05% | -1.25% | -9.33% | -1,254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.07% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 11.24% | 11.18% | 11.14% | 11.24% | 11.57% | 11.71% | 11.78% | 12.67% | +143 bps | |
| Net Worth / Assets | 11.24% | 11.18% | 11.14% | 11.24% | 11.57% | 11.71% | 11.78% | 12.67% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.05% | 48.93% | 46.22% | 47.72% | 48.06% | 47.25% | 46.00% | 50.11% | +239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Edna, TX · Charter 20581 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.40%
Rank 145 of 235
Net Interest Margin
3.38%
Rank 172 of 235
Efficiency Ratio
87.50%
Rank 157 of 235
Equity / Assets
12.67%
Rank 143 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.17% | 0.57% | 1.10% | Beats 38% | 145 / 235 | ||
| Return on Equity | 3.15% | 1.03% | 4.30% | 7.58% | Beats 40% | 140 / 235 | ||
| Net Interest Margin | 3.38% | 3.32% | 3.89% | 4.35% | Beats 27% | 172 / 235 | ||
| Efficiency Ratio | 87.50% | 70.60% | 82.00% | 91.57% | Beats 34% | 157 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.67% | 11.30% | 14.41% | 19.49% | Beats 39% | 143 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.67% | 11.30% | 14.41% | 19.49% | Beats 39% | 143 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.11% | 54.18% | 67.38% | 81.66% | 19th pctl | 190 / 235 | ||
| Loans / Assets | 43.66% | 43.80% | 56.63% | 68.64% | 24th pctl | 178 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||