Brownwood, TX · Charter 24454
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 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
31
Profitability
77
Liquidity
82
Efficiency
39
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.
Brownwood, TX · Charter 24454
NCUA · 1 branch
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 | 0.49% | 0.51% | 0.58% | 0.69% | 0.73% | 0.81% | 1.00% | 0.89% | +21 bps | |
| Return on Equity | 6.03% | 6.14% | 7.03% | 8.19% | 8.60% | 9.30% | 11.25% | 9.70% | +151 bps | |
| Net Interest Margin | 3.98% | 4.02% | 4.11% | 4.27% | 4.30% | 4.38% | 4.46% | 4.56% | +28 bps | |
| Efficiency Ratio | 91.80% | 90.56% | 87.99% | 86.58% | 86.81% | 85.70% | 83.99% | 85.97% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.55% | -0.09% | 3.39% | 4.42% | 4.72% | 4.45% | 3.31% | 1.16% | -326 bps | |
| Loan Growth (YoY) | 2.77% | 3.70% | 5.44% | 2.87% | 4.46% | 6.49% | 6.16% | 3.55% | +68 bps | |
| Share Growth (YoY) | -2.78% | -0.85% | 2.53% | 3.82% | 4.29% | 3.85% | 4.81% | 3.25% | -57 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.13% | 0.40% | 0.28% | 1.17% | 0.28% | 1.05% | 0.90% | +62 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 | 8.12% | 8.28% | 8.23% | 8.38% | 8.44% | 8.73% | 8.88% | 9.20% | +83 bps | |
| Net Worth / Assets | 8.12% | 8.28% | 8.23% | 8.38% | 8.44% | 8.73% | 8.88% | 9.20% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.13% | 61.76% | 61.45% | 62.41% | 62.23% | 63.33% | 62.24% | 62.59% | +18 bps | |
| Liquid Assets / Assets | 99.33% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brownwood, TX · Charter 24454 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.89%
Rank 82 of 235
Net Interest Margin
4.56%
Rank 43 of 235
Efficiency Ratio
85.91%
Rank 145 of 235
Equity / Assets
9.20%
Rank 214 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.17% | 0.57% | 1.10% | Beats 65% | 82 / 235 | ||
| Return on Equity | 9.68% | 1.03% | 4.30% | 7.58% | Beats 84% | 37 / 235 | ||
| Net Interest Margin | 4.56% | 3.32% | 3.89% | 4.35% | Beats 82% | 43 / 235 | ||
| Efficiency Ratio | 85.91% | 70.60% | 82.00% | 91.57% | Beats 39% | 145 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.20% | 0.59% | 1.14% | Beats 31% | 162 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.20% | 11.30% | 14.41% | 19.49% | Beats 9% | 214 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.20% | 11.30% | 14.41% | 19.49% | Beats 9% | 214 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.59% | 54.18% | 67.38% | 81.66% | 40th pctl | 142 / 235 | ||
| Loans / Assets | 58.04% | 43.80% | 56.63% | 68.64% | 52nd pctl | 112 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||