Texas City, TX · Charter 2441
NCUA · 12 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
14
Asset Quality
31
Profitability
26
Liquidity
66
Efficiency
11
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.
Texas City, TX · Charter 2441
NCUA · 12 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 | 0.71% | 0.80% | 0.72% | 0.30% | 0.36% | -35 bps | |
| Return on Equity | 7.75% | 8.65% | 7.88% | 3.32% | 3.88% | -386 bps | |
| Net Interest Margin | 3.69% | 3.71% | 3.61% | 3.18% | 3.38% | -31 bps | |
| Efficiency Ratio | 75.10% | 74.68% | 75.12% | 83.71% | 82.35% | +726 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.05% | 3.32% | 6.52% | 5.20% | 5.22% | +317 bps | |
| Loan Growth (YoY) | 3.69% | 6.28% | 2.97% | 2.91% | 4.32% | +63 bps | |
| Share Growth (YoY) | 2.45% | 3.62% | 7.17% | 5.66% | 5.90% | +346 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.74% | 0.72% | 0.48% | 0.93% | +30 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 | 9.16% | 9.27% | 9.14% | 9.04% | 9.20% | +4 bps | |
| Net Worth / Assets | 9.16% | 9.27% | 9.14% | 9.04% | 9.20% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.58% | 93.94% | 91.32% | 89.97% | 93.16% | -141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Texas City, TX · Charter 2441 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
Return on Assets
0.36%
Rank 379 of 435
Net Interest Margin
3.38%
Rank 221 of 435
Efficiency Ratio
82.35%
Rank 387 of 435
Equity / Assets
9.20%
Rank 374 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.55% | 0.81% | 1.14% | Beats 13% | 379 / 435 | |
| Return on Equity | 3.88% | 5.12% | 7.41% | 9.70% | Beats 17% | 359 / 435 | |
| Net Interest Margin | 3.38% | 3.01% | 3.39% | 3.75% | Beats 49% | 221 / 435 | |
| Efficiency Ratio | 82.35% | 65.25% | 71.39% | 77.86% | Beats 11% | 387 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.45% | 0.69% | 1.05% | Beats 31% | 299 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.20% | 9.81% | 10.84% | 12.63% | Beats 14% | 374 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.20% | 9.81% | 10.84% | 12.63% | Beats 14% | 374 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.16% | 78.33% | 88.38% | 95.61% | 66th pctl | 149 / 435 | |
| Loans / Assets | 81.95% | 67.69% | 74.58% | 80.80% | 82nd pctl | 80 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||