Texas City, TX · Charter 2442
NCUA · 1 branch
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
54
Asset Quality
19
Profitability
42
Liquidity
11
Efficiency
29
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 2442
NCUA · 1 branch
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 | 0.47% | 0.38% | 0.07% | 0.31% | 0.40% | -7 bps | |
| Return on Equity | 3.44% | 2.74% | 0.54% | 2.32% | 2.98% | -46 bps | |
| Net Interest Margin | 3.77% | 3.79% | 3.74% | 3.58% | 3.70% | -7 bps | |
| Efficiency Ratio | 82.66% | 82.58% | 88.20% | 92.65% | 90.71% | +805 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.42% | -0.66% | 2.06% | 4.80% | 2.46% | +204 bps | |
| Loan Growth (YoY) | -6.72% | -6.44% | -13.21% | -10.36% | -9.12% | -240 bps | |
| Share Growth (YoY) | 0.56% | -0.72% | 3.87% | 5.57% | 2.38% | +182 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.03% | 2.06% | 2.10% | 1.88% | 2.21% | -82 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 | 13.71% | 13.91% | 13.65% | 13.16% | 13.38% | -33 bps | |
| Net Worth / Assets | 13.71% | 13.91% | 13.65% | 13.16% | 13.38% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.14% | 54.13% | 51.17% | 48.89% | 49.84% | -631 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Texas City, TX · Charter 2442 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.40%
Rank 35 of 63
Net Interest Margin
3.70%
Rank 39 of 63
Efficiency Ratio
90.69%
Rank 46 of 63
Equity / Assets
13.38%
Rank 29 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.11% | 0.53% | 1.19% | Beats 44% | 35 / 63 | |
| Return on Equity | 2.99% | 1.09% | 3.60% | 6.92% | Beats 45% | 34 / 62 | |
| Net Interest Margin | 3.70% | 3.19% | 4.06% | 4.80% | Beats 38% | 39 / 63 | |
| Efficiency Ratio | 90.69% | 72.55% | 82.57% | 90.97% | Beats 29% | 46 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.20% | 0.32% | 0.64% | 1.62% | Beats 19% | 52 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.38% | 10.13% | 12.81% | 19.70% | Beats 54% | 29 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.38% | 10.13% | 12.81% | 19.70% | Beats 54% | 29 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.84% | 55.42% | 71.20% | 87.46% | 16th pctl | 53 / 63 | |
| Loans / Assets | 42.62% | 48.43% | 59.68% | 73.12% | 16th pctl | 53 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||