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Met Tran

Houston, TX · Charter 24324

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

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.

Peer group

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.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Met Tran

Houston, TX · Charter 24324

NCUA · 1 branch

Q2 2026

$11.2MAssets
$6.3MLoans
$9.4MShares
$1.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.37%, up 3 bps year over year; NIM at 5.12%.
  • Asset quality: problem loans at 0.12% of loans (+7 bps YoY).
  • Capital: net worth / assets of 14.58%, up 9 bps from a year ago.
  • Funding: loans stand at 67.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+3 bps YoY

Net Interest Margin (YTD, annualized)

5.12%+37 bps YoY

Efficiency Ratio (YTD, annualized)

86.37%-264 bps YoY

Net Worth / Assets

14.58%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.76%0.82%0.02%0.37%+3 bps
Return on Equity2.34%5.18%5.44%0.13%2.52%+18 bps
Net Interest Margin4.75%4.92%5.17%5.25%5.12%+37 bps
Efficiency Ratio89.00%84.99%85.67%84.43%86.37%-264 bps
Growth
Asset Growth (YoY)-0.34%0.91%-2.56%1.74%2.91%+325 bps
Loan Growth (YoY)9.30%6.25%-5.51%-8.08%-9.01%-1,830 bps
Share Growth (YoY)0.35%-0.58%-0.02%1.84%1.36%+101 bps
Asset Quality
Delinquent Loans / Loans0.05%0.03%0.21%0.06%0.12%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.49%14.60%15.02%14.70%14.58%+9 bps
Net Worth / Assets14.49%14.60%15.02%14.70%14.58%+9 bps
Liquidity & Funding
Loans / Shares74.70%71.61%70.56%66.54%67.06%-764 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Met Tran

Houston, TX · Charter 24324 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)

NCUA · 1 branch

Q2 2026

$11.2MAssets
$6.3MLoans
$9.4MShares
$1.6MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 63).
  • Widest gap: return on assets trails 59% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 37 of 63).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.37%

Rank 37 of 63

Net Interest Margin

5.12%

Rank 9 of 63

Efficiency Ratio

86.42%

Rank 37 of 63

Equity / Assets

14.58%

Rank 24 of 63

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.37%0.11%0.53%1.19%Beats 41%37 / 63
Return on Equity2.56%1.09%3.60%6.92%Beats 42%36 / 62
Net Interest Margin5.12%3.19%4.06%4.80%Beats 86%9 / 63
Efficiency Ratio86.42%72.55%82.57%90.97%Beats 43%37 / 63
Asset Quality
Nonperforming Loans / Loans0.13%0.32%0.64%1.62%Beats 84%11 / 63
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.58%10.13%12.81%19.70%Beats 62%24 / 63
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.58%10.13%12.81%19.70%Beats 62%24 / 63
Liquidity & Funding
Loans / Deposits67.06%55.42%71.20%87.46%43rd pctl36 / 63
Loans / Assets56.09%48.43%59.68%73.12%43rd pctl36 / 63
Brokered Deposits / Depositsn/aNot reported for this institution