Houston, TX · Charter 24463
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
5
Asset Quality
17
Profitability
15
Liquidity
61
Efficiency
17
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.
Houston, TX · Charter 24463
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 | 0.34% | 0.17% | -0.13% | -0.32% | -0.32% | -0.21% | -0.16% | -0.24% | +8 bps | |
| Return on Equity | 4.36% | 2.07% | -1.81% | -4.34% | -4.41% | -2.71% | -2.09% | -3.12% | +123 bps | |
| Net Interest Margin | 2.98% | 3.06% | 2.52% | 2.36% | 2.52% | 2.88% | 2.60% | 2.65% | +28 bps | |
| Efficiency Ratio | 91.58% | 95.92% | 103.67% | 109.23% | 108.63% | 105.05% | 103.71% | 105.52% | -371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.02% | -8.04% | 0.60% | -0.11% | 3.92% | 1.18% | -4.49% | -6.65% | -654 bps | |
| Loan Growth (YoY) | 34.54% | 12.14% | 35.44% | 27.88% | 15.32% | 4.95% | -6.92% | -3.52% | -3,140 bps | |
| Share Growth (YoY) | -11.74% | -8.77% | 0.61% | 0.02% | 4.63% | 1.51% | -4.88% | -7.33% | -734 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 1.59% | 8.89% | 8.65% | 8.83% | 8.72% | 2.35% | 2.21% | -644 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 | 2.02% | 1.95% | 1.74% | 1.69% | 1.70% | 1.80% | 1.81% | 1.70% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.81% | 8.10% | 7.38% | 7.43% | 7.19% | 7.79% | 7.52% | 7.80% | +37 bps | |
| Net Worth / Assets | 7.81% | 8.10% | 7.38% | 7.43% | 7.19% | 7.79% | 7.52% | 7.80% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.58% | 72.60% | 73.96% | 77.83% | 73.38% | 75.06% | 72.38% | 81.03% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 24463 · 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
-0.32%
Rank 51 of 63
Net Interest Margin
2.69%
Rank 56 of 63
Efficiency Ratio
103.57%
Rank 53 of 63
Equity / Assets
7.82%
Rank 60 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.32% | 0.11% | 0.53% | 1.19% | Beats 19% | 51 / 63 | ||
| Return on Equity | -4.04% | 1.09% | 3.60% | 6.92% | Beats 15% | 53 / 62 | ||
| Net Interest Margin | 2.69% | 3.19% | 4.06% | 4.80% | Beats 11% | 56 / 63 | ||
| Efficiency Ratio | 103.57% | 72.55% | 82.57% | 90.97% | Beats 17% | 53 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.23% | 0.32% | 0.64% | 1.62% | Beats 17% | 53 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.82% | 10.13% | 12.81% | 19.70% | Beats 5% | 60 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.82% | 10.13% | 12.81% | 19.70% | Beats 5% | 60 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.05% | 55.42% | 71.20% | 87.46% | 63rd pctl | 23 / 63 | ||
| Loans / Assets | 74.33% | 48.43% | 59.68% | 73.12% | 81st pctl | 12 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||