Houston, TX · Charter 21029
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
81
Asset Quality
59
Profitability
93
Liquidity
10
Efficiency
92
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 21029
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 | 3.14% | 3.03% | 2.50% | 3.23% | 2.59% | -54 bps | |
| Return on Equity | 16.41% | 14.97% | 12.83% | 15.66% | 12.04% | -437 bps | |
| Net Interest Margin | 5.66% | 5.87% | 5.54% | 5.68% | 5.34% | -32 bps | |
| Efficiency Ratio | 51.38% | 51.85% | 52.37% | 54.69% | 59.60% | +822 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.37% | 7.24% | 10.86% | 5.49% | -0.54% | -790 bps | |
| Loan Growth (YoY) | 10.38% | 8.37% | 9.83% | -0.78% | -17.99% | -2,837 bps | |
| Share Growth (YoY) | 1.38% | 5.02% | 7.87% | 5.11% | 0.27% | -110 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 1.21% | 0.26% | 0.44% | 0.52% | +13 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 | 19.12% | 20.26% | 19.44% | 20.60% | 21.55% | +242 bps | |
| Net Worth / Assets | 19.12% | 20.26% | 19.44% | 20.60% | 21.55% | +242 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.53% | 55.28% | 53.66% | 49.82% | 49.51% | -1,103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 21029 · 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
2.61%
Rank 1 of 63
Net Interest Margin
5.36%
Rank 6 of 63
Efficiency Ratio
59.35%
Rank 6 of 63
Equity / Assets
21.55%
Rank 12 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.61% | 0.11% | 0.53% | 1.19% | Beats 98% | 1 / 63 | |
| Return on Equity | 12.09% | 1.09% | 3.60% | 6.92% | Beats 92% | 5 / 62 | |
| Net Interest Margin | 5.36% | 3.19% | 4.06% | 4.80% | Beats 90% | 6 / 63 | |
| Efficiency Ratio | 59.35% | 72.55% | 82.57% | 90.97% | Beats 92% | 6 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.32% | 0.64% | 1.62% | Beats 59% | 27 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.55% | 10.13% | 12.81% | 19.70% | Beats 81% | 12 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.55% | 10.13% | 12.81% | 19.70% | Beats 81% | 12 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.51% | 55.42% | 71.20% | 87.46% | 13th pctl | 55 / 63 | |
| Loans / Assets | 38.43% | 48.43% | 59.68% | 73.12% | 10th pctl | 57 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||