Houston, TX · Charter 2357
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
49
Profitability
45
Liquidity
0
Efficiency
91
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 2357
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 | 0.86% | 1.03% | 1.00% | 1.04% | 1.12% | +26 bps | |
| Return on Equity | 5.23% | 6.21% | 6.11% | 6.35% | 6.82% | +158 bps | |
| Net Interest Margin | 2.52% | 2.61% | 2.63% | 2.89% | 2.92% | +40 bps | |
| Efficiency Ratio | 64.22% | 60.41% | 60.31% | 59.50% | 58.26% | -596 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.50% | 3.93% | 6.66% | 5.28% | 5.83% | +33 bps | |
| Loan Growth (YoY) | 0.38% | 1.39% | 1.01% | 0.34% | 0.14% | -24 bps | |
| Share Growth (YoY) | 3.36% | 2.22% | 3.69% | 3.44% | 4.69% | +133 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.64% | 0.58% | 0.50% | 0.70% | +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 | 16.35% | 16.61% | 16.28% | 16.38% | 16.42% | +7 bps | |
| Net Worth / Assets | 16.35% | 16.61% | 16.28% | 16.38% | 16.42% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.90% | 56.45% | 55.80% | 54.58% | 53.47% | -243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 2357 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 3 branches
Q2 2026
Return on Assets
1.12%
Rank 115 of 435
Net Interest Margin
2.92%
Rank 352 of 435
Efficiency Ratio
58.26%
Rank 39 of 435
Equity / Assets
16.42%
Rank 21 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 0.55% | 0.81% | 1.14% | Beats 74% | 115 / 435 | |
| Return on Equity | 6.82% | 5.12% | 7.41% | 9.70% | Beats 43% | 249 / 435 | |
| Net Interest Margin | 2.92% | 3.01% | 3.39% | 3.75% | Beats 19% | 352 / 435 | |
| Efficiency Ratio | 58.26% | 65.25% | 71.39% | 77.86% | Beats 91% | 39 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.70% | 0.45% | 0.69% | 1.05% | Beats 49% | 225 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.42% | 9.81% | 10.84% | 12.63% | Beats 95% | 21 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.42% | 9.81% | 10.84% | 12.63% | Beats 95% | 21 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.47% | 78.33% | 88.38% | 95.61% | 3rd pctl | 420 / 435 | |
| Loans / Assets | 46.31% | 67.69% | 74.58% | 80.80% | 3rd pctl | 420 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||