Houston Police
Houston, TX · Charter 2357 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 3 branches
Q2 2026
$1.0BAssets
$470.5MLoans
$879.8MShares
$166.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of credit unions $1B-$10B in assets (rank 21 of 435).
- Widest gap: net interest margin trails 81% of credit unions $1B-$10B in assets (rank 352 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |