Houston, TX · Charter 23525
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
35
Asset Quality
13
Profitability
43
Liquidity
0
Efficiency
100
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 23525
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 | 1.38% | 1.10% | 1.04% | 1.01% | 1.14% | 0.95% | 0.71% | 0.78% | -23 bps | |
| Return on Equity | 12.64% | 9.89% | 9.29% | 8.45% | 9.19% | 7.71% | 6.10% | 6.63% | -183 bps | |
| Net Interest Margin | 2.02% | 1.97% | 1.76% | 1.80% | 1.92% | 1.97% | 1.94% | 1.73% | -7 bps | |
| Efficiency Ratio | 33.77% | 38.67% | 42.06% | 44.98% | 41.66% | 39.26% | 37.68% | 42.42% | -256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.51% | -1.52% | 3.85% | -3.49% | -4.60% | -2.27% | 3.50% | 9.22% | +1,272 bps | |
| Loan Growth (YoY) | 4.74% | -7.89% | -1.89% | 16.43% | 32.80% | 67.62% | 46.28% | 62.97% | +4,654 bps | |
| Share Growth (YoY) | -6.62% | -3.02% | 3.06% | -4.94% | -6.14% | -3.60% | 3.02% | 10.18% | +1,513 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.45% | 8.57% | 7.18% | 2.27% | 2.03% | 3.31% | 4.52% | 3.03% | +77 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 | 1.46% | 2.19% | 1.99% | 1.78% | 1.59% | 2.09% | 2.61% | 2.10% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.95% | 11.15% | 11.17% | 11.94% | 12.38% | 12.37% | 11.60% | 11.73% | -21 bps | |
| Net Worth / Assets | 10.95% | 11.15% | 11.17% | 11.94% | 12.38% | 12.37% | 11.60% | 11.73% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.76% | 23.34% | 25.13% | 29.68% | 33.61% | 40.58% | 35.69% | 43.89% | +1,422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 23525 · 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
0.74%
Rank 25 of 63
Net Interest Margin
1.79%
Rank 62 of 63
Efficiency Ratio
38.89%
Rank 1 of 63
Equity / Assets
11.74%
Rank 41 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.11% | 0.53% | 1.19% | Beats 60% | 25 / 63 | ||
| Return on Equity | 6.28% | 1.09% | 3.60% | 6.92% | Beats 66% | 21 / 62 | ||
| Net Interest Margin | 1.79% | 3.19% | 4.06% | 4.80% | Beats 2% | 62 / 63 | ||
| Efficiency Ratio | 38.89% | 72.55% | 82.57% | 90.97% | Beats 100% | 1 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.99% | 0.32% | 0.64% | 1.62% | Beats 13% | 56 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.74% | 10.13% | 12.81% | 19.70% | Beats 35% | 41 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.74% | 10.13% | 12.81% | 19.70% | Beats 35% | 41 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.91% | 55.42% | 71.20% | 87.46% | 8th pctl | 58 / 63 | ||
| Loans / Assets | 38.76% | 48.43% | 59.68% | 73.12% | 11th pctl | 56 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||