El Paso, TX · Charter 24941
NCUA · 27 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
28
Profitability
88
Liquidity
17
Efficiency
82
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.
El Paso, TX · Charter 24941
NCUA · 27 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 | 1.35% | 1.14% | 1.23% | 1.27% | 1.39% | 1.30% | 1.35% | 1.38% | +11 bps | |
| Return on Equity | 10.93% | 9.22% | 9.83% | 9.91% | 10.56% | 10.06% | 10.32% | 10.45% | +55 bps | |
| Net Interest Margin | 4.14% | 4.22% | 4.35% | 4.45% | 4.53% | 4.49% | 4.48% | 4.49% | +3 bps | |
| Efficiency Ratio | 64.14% | 67.06% | 61.87% | 61.77% | 60.70% | 61.61% | 62.74% | 62.17% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.07% | -1.80% | 0.55% | 1.19% | 1.97% | 5.39% | 5.45% | 7.20% | +601 bps | |
| Loan Growth (YoY) | 1.48% | 3.26% | 4.19% | 6.68% | 9.85% | 9.70% | 8.92% | 9.75% | +306 bps | |
| Share Growth (YoY) | -2.59% | -0.22% | 3.84% | 4.47% | 6.51% | 9.71% | 8.16% | 9.11% | +464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.12% | 1.07% | 1.05% | 1.13% | 1.30% | 0.99% | 1.00% | -6 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 | 12.36% | 12.39% | 12.48% | 12.81% | 13.19% | 12.97% | 13.07% | 13.22% | +41 bps | |
| Net Worth / Assets | 12.36% | 12.39% | 12.48% | 12.81% | 13.19% | 12.97% | 13.07% | 13.22% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.48% | 103.09% | 97.49% | 99.46% | 100.54% | 103.08% | 98.17% | 100.04% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Paso, TX · Charter 24941 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
Return on Assets
1.38%
Rank 58 of 435
Net Interest Margin
4.49%
Rank 17 of 435
Efficiency Ratio
62.16%
Rank 81 of 435
Equity / Assets
13.22%
Rank 82 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.55% | 0.81% | 1.14% | Beats 87% | 58 / 435 | ||
| Return on Equity | 10.45% | 5.12% | 7.41% | 9.70% | Beats 81% | 83 / 435 | ||
| Net Interest Margin | 4.49% | 3.01% | 3.39% | 3.75% | Beats 96% | 17 / 435 | ||
| Efficiency Ratio | 62.16% | 65.25% | 71.39% | 77.86% | Beats 82% | 81 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.45% | 0.69% | 1.05% | Beats 28% | 313 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.22% | 9.81% | 10.84% | 12.63% | Beats 81% | 82 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.22% | 9.81% | 10.84% | 12.63% | Beats 81% | 82 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.04% | 78.33% | 88.38% | 95.61% | 85th pctl | 66 / 435 | ||
| Loans / Assets | 81.39% | 67.69% | 74.58% | 80.80% | 78th pctl | 97 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||