Sugar Land, TX · Charter 24384
NCUA · 6 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 TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
78
Profitability
64
Liquidity
51
Efficiency
95
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.
Sugar Land, TX · Charter 24384
NCUA · 6 branches
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 | 1.07% | 1.03% | 1.40% | 1.33% | 1.23% | 1.21% | 1.37% | 1.37% | +4 bps | |
| Return on Equity | 12.28% | 11.76% | 15.92% | 14.93% | 13.98% | 13.78% | 15.23% | 14.90% | -3 bps | |
| Net Interest Margin | 2.29% | 2.31% | 2.78% | 2.76% | 2.73% | 2.74% | 3.12% | 3.06% | +30 bps | |
| Efficiency Ratio | 62.25% | 62.36% | 57.88% | 59.45% | 59.03% | 58.31% | 58.16% | 57.20% | -226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.70% | 17.63% | 17.10% | 17.87% | 14.27% | 15.58% | 13.02% | 12.54% | -533 bps | |
| Loan Growth (YoY) | 18.67% | 10.67% | 13.75% | 11.55% | 12.58% | 13.44% | 13.37% | 13.26% | +170 bps | |
| Share Growth (YoY) | 19.50% | 23.47% | 21.24% | 23.13% | 19.44% | 18.32% | 16.11% | 15.37% | -776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.13% | 0.25% | 0.31% | 0.28% | 0.47% | 0.26% | 0.16% | -15 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.72% | 8.74% | 8.80% | 8.90% | 8.77% | 8.78% | 9.01% | 9.17% | +27 bps | |
| Net Worth / Assets | 8.72% | 8.74% | 8.80% | 8.90% | 8.77% | 8.78% | 9.01% | 9.17% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.11% | 81.20% | 81.18% | 80.56% | 78.33% | 77.85% | 79.26% | 79.08% | -147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sugar Land, TX · Charter 24384 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 6 branches
Q2 2026
Return on Assets
1.37%
Rank 42 of 235
Net Interest Margin
3.06%
Rank 205 of 235
Efficiency Ratio
57.20%
Rank 13 of 235
Equity / Assets
9.17%
Rank 215 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.17% | 0.57% | 1.10% | Beats 82% | 42 / 235 | ||
| Return on Equity | 14.90% | 1.03% | 4.30% | 7.58% | Beats 98% | 5 / 235 | ||
| Net Interest Margin | 3.06% | 3.32% | 3.89% | 4.35% | Beats 13% | 205 / 235 | ||
| Efficiency Ratio | 57.20% | 70.60% | 82.00% | 91.57% | Beats 95% | 13 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.20% | 0.59% | 1.14% | Beats 78% | 53 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.17% | 11.30% | 14.41% | 19.49% | Beats 9% | 215 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.17% | 11.30% | 14.41% | 19.49% | Beats 9% | 215 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.08% | 54.18% | 67.38% | 81.66% | 71st pctl | 67 / 235 | ||
| Loans / Assets | 68.88% | 43.80% | 56.63% | 68.64% | 75th pctl | 58 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||