Houston, TX · Charter 23582
NCUA · 2 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 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
24
Asset Quality
24
Profitability
44
Liquidity
0
Efficiency
30
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 23582
NCUA · 2 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 | 0.17% | 0.20% | 0.33% | 0.23% | 0.20% | +2 bps | |
| Return on Equity | 1.81% | 2.05% | 3.35% | 2.31% | 1.94% | +13 bps | |
| Net Interest Margin | 4.25% | 4.45% | 4.49% | 4.65% | 4.71% | +47 bps | |
| Efficiency Ratio | 90.59% | 89.96% | 88.25% | 90.16% | 90.08% | -51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.19% | -5.28% | -3.55% | -4.40% | -2.08% | +311 bps | |
| Loan Growth (YoY) | 6.81% | -3.09% | -6.16% | -11.69% | -12.55% | -1,936 bps | |
| Share Growth (YoY) | -6.06% | -6.37% | -4.07% | -5.13% | -2.50% | +355 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.92% | 1.46% | 0.94% | 1.85% | +111 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 | 9.58% | 9.79% | 9.92% | 10.10% | 10.13% | +55 bps | |
| Net Worth / Assets | 9.58% | 9.79% | 9.92% | 10.10% | 10.13% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.58% | 40.21% | 40.82% | 39.12% | 37.29% | -428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 23582 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.19%
Rank 45 of 63
Net Interest Margin
4.72%
Rank 20 of 63
Efficiency Ratio
89.95%
Rank 45 of 63
Equity / Assets
10.13%
Rank 48 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.11% | 0.53% | 1.19% | Beats 29% | 45 / 63 | |
| Return on Equity | 1.90% | 1.09% | 3.60% | 6.92% | Beats 35% | 40 / 62 | |
| Net Interest Margin | 4.72% | 3.19% | 4.06% | 4.80% | Beats 68% | 20 / 63 | |
| Efficiency Ratio | 89.95% | 72.55% | 82.57% | 90.97% | Beats 30% | 45 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.85% | 0.32% | 0.64% | 1.62% | Beats 24% | 49 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.13% | 10.13% | 12.81% | 19.70% | Beats 24% | 48 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.13% | 10.13% | 12.81% | 19.70% | Beats 24% | 48 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.29% | 55.42% | 71.20% | 87.46% | 3rd pctl | 61 / 63 | |
| Loans / Assets | 33.36% | 48.43% | 59.68% | 73.12% | 5th pctl | 60 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||