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Heritage Hub

Houston, TX · Charter 24972

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=63). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

0

Q1 2025Q2 2026peer median (50)

Asset Quality

100

Q4 2025Q2 2026peer median (50)

Profitability

0

Q1 2025Q2 2026peer median (50)

Liquidity

17

Q2 2025Q2 2026peer median

Efficiency

2

Q1 2026Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Heritage Hub

Houston, TX · Charter 24972

NCUA · 1 branch

Q2 2026

$149KAssets
$88KLoans
$172KShares
$-24KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -117.25%, up 11,662 bps year over year; NIM at 0.44%.
  • Asset quality: problem loans at 0.00% of loans.
  • Capital: net worth / assets of -15.82%, down 11,429 bps from a year ago.
  • Funding: loans stand at 51.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-117.25%+11,662 bps YoY

Net Interest Margin (YTD, annualized)

0.44%+44 bps YoY

Efficiency Ratio (YTD, annualized)

3088%-351,887 bps YoY

Net Worth / Assets

-15.82%-11,429 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-234%-14.37%0.12%-248%-117.25%+11,662 bps
Return on Equity-238%-16.60%0.24%-2072%n/an/a
Net Interest Margin0.00%-0.02%0.10%0.62%0.44%+44 bps
Efficiency Ratio6607%n/a0.00%6099%3088%-351,887 bps
Growth
Asset Growth (YoY)n/an/an/a7168900%635%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/a55280%n/an/a
Asset Quality
Delinquent Loans / Loansn/an/a0.00%0.00%0.00%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/a0.00%0.00%0.00%n/a
Capital
Risk-Based Capital98.47%86.56%49.54%11.98%-15.82%-11,429 bps
Net Worth / Assets98.47%86.56%49.54%11.98%-15.82%-11,429 bps
Liquidity & Funding
Loans / Shares0.00%0.00%17.55%21.24%51.24%+5,124 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Heritage Hub

Houston, TX · Charter 24972 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=63)

NCUA · 1 branch

Q2 2026

$149KAssets
$88KLoans
$172KShares
$-24KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 8 of 63).
  • Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 63 of 63).
  • Overall: at or above the peer median on 1 of 6 directional measures.

Return on Assets

-116.78%

Rank 63 of 63

Net Interest Margin

0.00%

Rank 63 of 63

Efficiency Ratio

3000%

Rank 63 of 63

Equity / Assets

-16.11%

Rank 63 of 63

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-116.78%0.11%0.53%1.19%Beats 0%63 / 63
Return on Equityn/aNot reported for this institution
Net Interest Margin0.00%3.19%4.06%4.80%Beats 0%63 / 63
Efficiency Ratio3000%72.55%82.57%90.97%Beats 2%63 / 63
Asset Quality
Nonperforming Loans / Loans0.00%0.32%0.64%1.62%Beats 100%8 / 63
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio-16.11%10.13%12.81%19.70%Beats 0%63 / 63
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets-16.11%10.13%12.81%19.70%Beats 0%63 / 63
Liquidity & Funding
Loans / Deposits51.16%55.42%71.20%87.46%19th pctl51 / 63
Loans / Assets59.06%48.43%59.68%73.12%46th pctl34 / 63
Brokered Deposits / Depositsn/aNot reported for this institution