Houston, TX · Charter 24769
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
2
Asset Quality
2
Profitability
7
Liquidity
66
Efficiency
3
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 24769
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 | -0.63% | 0.06% | -0.19% | -16.21% | -11.46% | -1,083 bps | |
| Return on Equity | -7.79% | 0.53% | -1.86% | -223% | -193.35% | -18,556 bps | |
| Net Interest Margin | 3.86% | 5.79% | 5.11% | 3.77% | 3.13% | -72 bps | |
| Efficiency Ratio | 115.51% | 99.07% | 103.60% | 204% | 259% | +14,318 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.09% | -25.15% | -25.36% | -29.81% | -27.76% | -1,767 bps | |
| Loan Growth (YoY) | 25.60% | -1.40% | -22.60% | -26.56% | -18.77% | -4,437 bps | |
| Share Growth (YoY) | -10.88% | -27.52% | -27.37% | -28.70% | -25.07% | -1,419 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.10% | 10.72% | 25.75% | 25.59% | 42.08% | +3,398 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 1.84% | 1.90% | 6.99% | 7.31% | +558 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.10% | 10.61% | 10.34% | 7.26% | 5.93% | -218 bps | |
| Net Worth / Assets | 8.10% | 10.61% | 10.34% | 7.26% | 5.93% | -218 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.15% | 69.85% | 67.03% | 64.89% | 63.04% | +489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 24769 · 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
-11.39%
Rank 62 of 63
Net Interest Margin
2.92%
Rank 51 of 63
Efficiency Ratio
264%
Rank 62 of 63
Equity / Assets
5.99%
Rank 62 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -11.39% | 0.11% | 0.53% | 1.19% | Beats 2% | 62 / 63 | |
| Return on Equity | -190.24% | 1.09% | 3.60% | 6.92% | Beats 0% | 62 / 62 | |
| Net Interest Margin | 2.92% | 3.19% | 4.06% | 4.80% | Beats 19% | 51 / 63 | |
| Efficiency Ratio | 264% | 72.55% | 82.57% | 90.97% | Beats 3% | 62 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 42.16% | 0.32% | 0.64% | 1.62% | Beats 2% | 63 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.99% | 10.13% | 12.81% | 19.70% | Beats 2% | 62 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.99% | 10.13% | 12.81% | 19.70% | Beats 2% | 62 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.06% | 55.42% | 71.20% | 87.46% | 40th pctl | 38 / 63 | |
| Loans / Assets | 59.56% | 48.43% | 59.68% | 73.12% | 48th pctl | 33 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||