El Paso, TX · Charter 2115
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
18
Asset Quality
73
Profitability
22
Liquidity
92
Efficiency
8
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.
El Paso, TX · Charter 2115
NCUA · 3 branches
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 | 0.14% | 0.08% | 0.08% | -0.27% | -0.44% | -58 bps | |
| Return on Equity | 1.37% | 0.72% | 0.81% | -2.58% | -4.29% | -566 bps | |
| Net Interest Margin | 3.57% | 3.60% | 3.62% | 3.70% | 3.86% | +28 bps | |
| Efficiency Ratio | 79.41% | 78.53% | 83.43% | 106.17% | 104.20% | +2,479 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.45% | 0.84% | 0.76% | 0.82% | -0.26% | +19 bps | |
| Loan Growth (YoY) | 8.63% | 5.99% | -0.41% | -7.39% | -6.19% | -1,483 bps | |
| Share Growth (YoY) | 0.22% | 1.44% | 1.73% | 2.06% | 0.46% | +23 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.74% | 0.83% | 0.37% | 0.27% | -4 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 | 10.50% | 10.51% | 10.42% | 10.35% | 10.29% | -21 bps | |
| Net Worth / Assets | 10.50% | 10.51% | 10.42% | 10.35% | 10.29% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.02% | 70.05% | 67.78% | 64.68% | 65.39% | -464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Paso, TX · Charter 2115 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.44%
Rank 214 of 235
Net Interest Margin
3.86%
Rank 121 of 235
Efficiency Ratio
104.19%
Rank 218 of 235
Equity / Assets
10.29%
Rank 193 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | 0.17% | 0.57% | 1.10% | Beats 9% | 214 / 235 | |
| Return on Equity | -4.29% | 1.03% | 4.30% | 7.58% | Beats 7% | 219 / 235 | |
| Net Interest Margin | 3.86% | 3.32% | 3.89% | 4.35% | Beats 49% | 121 / 235 | |
| Efficiency Ratio | 104.19% | 70.60% | 82.00% | 91.57% | Beats 8% | 218 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.20% | 0.59% | 1.14% | Beats 73% | 65 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.29% | 11.30% | 14.41% | 19.49% | Beats 18% | 193 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.29% | 11.30% | 14.41% | 19.49% | Beats 18% | 193 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.39% | 54.18% | 67.38% | 81.66% | 46th pctl | 126 / 235 | |
| Loans / Assets | 58.22% | 43.80% | 56.63% | 68.64% | 53rd pctl | 110 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||