Vidor, TX · Charter 21368
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
60
Asset Quality
100
Profitability
27
Liquidity
13
Efficiency
43
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.
Vidor, TX · Charter 21368
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 | 0.08% | 0.13% | 0.39% | 0.39% | 0.57% | 0.64% | 0.47% | 0.45% | +6 bps | |
| Return on Equity | 0.49% | 0.81% | 2.56% | 2.58% | 3.66% | 4.05% | 2.99% | 2.85% | +26 bps | |
| Net Interest Margin | 2.11% | 2.06% | 2.46% | 2.45% | 2.58% | 2.62% | 2.78% | 2.65% | +21 bps | |
| Efficiency Ratio | 96.37% | 93.96% | 81.30% | 82.59% | 77.12% | 74.96% | 83.10% | 83.16% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.68% | -0.30% | 7.19% | 6.63% | 4.73% | 2.00% | -0.07% | -0.01% | -663 bps | |
| Loan Growth (YoY) | -7.69% | -9.16% | -11.40% | -4.39% | 1.73% | 4.33% | 4.21% | 8.47% | +1,286 bps | |
| Share Growth (YoY) | -6.43% | -0.50% | 8.17% | 7.38% | 5.00% | 1.60% | -0.86% | -0.79% | -817 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.02% | 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 | 0.16% | 0.17% | 0.21% | 0.18% | 0.18% | 0.17% | 0.18% | 0.16% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.75% | 15.48% | 15.10% | 15.15% | 15.54% | 15.82% | 15.76% | 15.81% | +66 bps | |
| Net Worth / Assets | 15.75% | 15.48% | 15.10% | 15.15% | 15.54% | 15.82% | 15.76% | 15.81% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.42% | 81.55% | 76.37% | 80.81% | 80.82% | 83.75% | 80.27% | 88.35% | +754 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Vidor, TX · Charter 21368 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.42%
Rank 143 of 235
Net Interest Margin
2.65%
Rank 224 of 235
Efficiency Ratio
84.09%
Rank 136 of 235
Equity / Assets
15.81%
Rank 95 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.17% | 0.57% | 1.10% | Beats 39% | 143 / 235 | ||
| Return on Equity | 2.67% | 1.03% | 4.30% | 7.58% | Beats 38% | 146 / 235 | ||
| Net Interest Margin | 2.65% | 3.32% | 3.89% | 4.35% | Beats 5% | 224 / 235 | ||
| Efficiency Ratio | 84.09% | 70.60% | 82.00% | 91.57% | Beats 43% | 136 / 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 | 15.81% | 11.30% | 14.41% | 19.49% | Beats 60% | 95 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.81% | 11.30% | 14.41% | 19.49% | Beats 60% | 95 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.34% | 54.18% | 67.38% | 81.66% | 85th pctl | 35 / 235 | ||
| Loans / Assets | 74.38% | 43.80% | 56.63% | 68.64% | 86th pctl | 33 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||