Killeen, TX · Charter 24532
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
37
Asset Quality
17
Profitability
85
Liquidity
75
Efficiency
86
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.
Killeen, TX · Charter 24532
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 | 1.55% | 1.83% | 1.94% | 1.68% | 1.59% | +4 bps | |
| Return on Equity | 13.95% | 14.31% | 14.60% | 12.33% | 12.75% | -119 bps | |
| Net Interest Margin | 4.12% | 4.64% | 4.67% | 4.62% | 4.24% | +12 bps | |
| Efficiency Ratio | 64.87% | 64.51% | 63.57% | 68.03% | 65.03% | +16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.86% | -4.37% | -4.86% | -3.02% | 3.84% | -402 bps | |
| Loan Growth (YoY) | 0.80% | -2.47% | 5.24% | -3.70% | 1.86% | +105 bps | |
| Share Growth (YoY) | 4.37% | -5.21% | -7.23% | -5.70% | 4.98% | +62 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 1.56% | 0.08% | 0.33% | 1.69% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.30% | 0.30% | 0.31% | 0.29% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.14% | 12.79% | 13.28% | 13.65% | 12.48% | +134 bps | |
| Net Worth / Assets | 11.14% | 12.79% | 13.28% | 13.65% | 12.48% | +134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.56% | 80.11% | 80.48% | 77.38% | 73.31% | -225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Killeen, TX · Charter 24532 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.59%
Rank 26 of 235
Net Interest Margin
4.23%
Rank 68 of 235
Efficiency Ratio
65.00%
Rank 35 of 235
Equity / Assets
12.48%
Rank 149 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.59% | 0.17% | 0.57% | 1.10% | Beats 89% | 26 / 235 | |
| Return on Equity | 12.72% | 1.03% | 4.30% | 7.58% | Beats 96% | 10 / 235 | |
| Net Interest Margin | 4.23% | 3.32% | 3.89% | 4.35% | Beats 71% | 68 / 235 | |
| Efficiency Ratio | 65.00% | 70.60% | 82.00% | 91.57% | Beats 86% | 35 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.69% | 0.20% | 0.59% | 1.14% | Beats 17% | 196 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.48% | 11.30% | 14.41% | 19.49% | Beats 37% | 149 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.48% | 11.30% | 14.41% | 19.49% | Beats 37% | 149 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.29% | 54.18% | 67.38% | 81.66% | 63rd pctl | 87 / 235 | |
| Loans / Assets | 63.95% | 43.80% | 56.63% | 68.64% | 68th pctl | 76 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||