Sugar Land, TX · Charter 24818
NCUA · 3 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 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
37
Asset Quality
76
Profitability
50
Liquidity
87
Efficiency
68
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.
Sugar Land, TX · Charter 24818
NCUA · 3 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 | 1.06% | 1.24% | 1.13% | 1.04% | 1.10% | 1.05% | 0.97% | 0.83% | -21 bps | |
| Return on Equity | 9.39% | 10.18% | 9.49% | 8.92% | 9.40% | 8.53% | 8.10% | 7.05% | -187 bps | |
| Net Interest Margin | 1.90% | 2.05% | 2.25% | 2.23% | 2.31% | 2.45% | 2.40% | 2.41% | +18 bps | |
| Efficiency Ratio | 70.11% | 66.83% | 69.08% | 68.81% | 64.95% | 67.16% | 73.44% | 77.13% | +831 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.87% | 9.23% | 14.51% | 18.31% | 7.66% | 8.37% | 8.34% | 7.42% | -1,089 bps | |
| Loan Growth (YoY) | -1.68% | -3.48% | -2.66% | -3.45% | 0.00% | 0.10% | -0.74% | 4.05% | +750 bps | |
| Share Growth (YoY) | 9.81% | 8.82% | 15.05% | 19.46% | 7.29% | 8.79% | 8.63% | 7.39% | -1,207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.34% | 0.48% | 0.56% | 0.71% | 0.42% | 0.51% | 0.32% | -24 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 | 11.31% | 12.18% | 11.92% | 11.68% | 11.70% | 12.28% | 11.98% | 11.77% | +9 bps | |
| Net Worth / Assets | 11.31% | 12.18% | 11.92% | 11.68% | 11.70% | 12.28% | 11.98% | 11.77% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.93% | 77.40% | 74.52% | 70.17% | 68.91% | 71.21% | 68.09% | 67.99% | -218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sugar Land, TX · Charter 24818 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 3 branches
Q2 2026
Return on Assets
0.83%
Rank 21 of 63
Net Interest Margin
2.41%
Rank 59 of 63
Efficiency Ratio
77.13%
Rank 21 of 63
Equity / Assets
11.77%
Rank 40 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.11% | 0.53% | 1.19% | Beats 67% | 21 / 63 | ||
| Return on Equity | 7.05% | 1.09% | 3.60% | 6.92% | Beats 77% | 14 / 62 | ||
| Net Interest Margin | 2.41% | 3.19% | 4.06% | 4.80% | Beats 6% | 59 / 63 | ||
| Efficiency Ratio | 77.13% | 72.55% | 82.57% | 90.97% | Beats 68% | 21 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.32% | 0.64% | 1.62% | Beats 76% | 16 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.77% | 10.13% | 12.81% | 19.70% | Beats 37% | 40 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.77% | 10.13% | 12.81% | 19.70% | Beats 37% | 40 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.99% | 55.42% | 71.20% | 87.46% | 44th pctl | 35 / 63 | ||
| Loans / Assets | 59.68% | 48.43% | 59.68% | 73.12% | 49th pctl | 32 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||