Beaumont, TX · Charter 24470
NCUA · 10 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
8
Asset Quality
48
Profitability
58
Liquidity
94
Efficiency
62
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.
Beaumont, TX · Charter 24470
NCUA · 10 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 | -0.29% | -0.67% | -0.54% | -0.64% | -0.33% | 0.17% | 0.68% | 0.72% | +136 bps | |
| Return on Equity | -3.32% | -7.92% | -6.55% | -7.88% | -3.91% | 1.94% | 7.71% | 7.90% | +1,578 bps | |
| Net Interest Margin | 2.87% | 2.99% | 3.13% | 3.27% | 3.35% | 3.39% | 3.58% | 3.68% | +41 bps | |
| Efficiency Ratio | 89.08% | 88.86% | 94.44% | 85.58% | 83.28% | 83.54% | 78.69% | 76.74% | -884 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.69% | -3.65% | -5.37% | -4.10% | -5.19% | -2.52% | -1.96% | -2.53% | +157 bps | |
| Loan Growth (YoY) | 1.80% | -3.90% | -4.98% | -6.97% | -5.15% | -4.22% | -3.74% | 1.14% | +812 bps | |
| Share Growth (YoY) | 3.56% | 1.79% | 3.93% | 3.90% | 1.74% | 0.88% | -3.78% | -4.88% | -878 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.96% | 2.15% | 1.10% | 0.66% | 0.57% | 0.74% | 0.54% | 0.62% | -4 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 | 8.65% | 8.44% | 8.27% | 8.13% | 8.32% | 8.74% | 8.82% | 9.11% | +98 bps | |
| Net Worth / Assets | 8.65% | 8.44% | 8.27% | 8.13% | 8.32% | 8.74% | 8.82% | 9.11% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.32% | 70.30% | 65.35% | 64.82% | 66.49% | 66.74% | 65.38% | 68.93% | +411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beaumont, TX · Charter 24470 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 10 branches
Q2 2026
Return on Assets
0.72%
Rank 102 of 235
Net Interest Margin
3.68%
Rank 141 of 235
Efficiency Ratio
76.74%
Rank 91 of 235
Equity / Assets
9.11%
Rank 216 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.17% | 0.57% | 1.10% | Beats 57% | 102 / 235 | ||
| Return on Equity | 7.90% | 1.03% | 4.30% | 7.58% | Beats 77% | 55 / 235 | ||
| Net Interest Margin | 3.68% | 3.32% | 3.89% | 4.35% | Beats 40% | 141 / 235 | ||
| Efficiency Ratio | 76.74% | 70.60% | 82.00% | 91.57% | Beats 62% | 91 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.20% | 0.59% | 1.14% | Beats 48% | 124 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.11% | 11.30% | 14.41% | 19.49% | Beats 8% | 216 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.11% | 11.30% | 14.41% | 19.49% | Beats 8% | 216 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.93% | 54.18% | 67.38% | 81.66% | 51st pctl | 115 / 235 | ||
| Loans / Assets | 62.95% | 43.80% | 56.63% | 68.64% | 64th pctl | 85 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||