Victoria, TX · Charter 3736
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
40
Asset Quality
90
Profitability
60
Liquidity
82
Efficiency
17
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.
Victoria, TX · Charter 3736
NCUA · 1 branch
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 | -0.32% | -0.19% | 1.24% | 0.69% | 0.54% | 0.55% | 0.87% | 0.56% | -12 bps | |
| Return on Equity | -2.62% | -1.51% | 9.51% | 5.28% | 4.08% | 4.16% | 6.41% | 4.42% | -86 bps | |
| Net Interest Margin | 4.65% | 4.84% | 4.70% | 4.65% | 4.80% | 4.76% | 4.61% | 4.45% | -20 bps | |
| Efficiency Ratio | 95.49% | 95.80% | 81.94% | 89.96% | 91.52% | 90.87% | 93.83% | 95.12% | +516 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | 0.41% | -1.62% | -2.39% | -4.62% | -0.48% | 0.07% | 6.18% | +857 bps | |
| Loan Growth (YoY) | 11.65% | 10.42% | 1.24% | -2.11% | -0.23% | -0.37% | 5.25% | 2.00% | +412 bps | |
| Share Growth (YoY) | -0.34% | 0.04% | -2.75% | -3.54% | -6.14% | -1.50% | 0.47% | 7.85% | +1,139 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.50% | 0.00% | 0.14% | 0.00% | 2.35% | 2.41% | 0.04% | -11 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 | 0.54% | 0.54% | 0.44% | 0.37% | 0.36% | 0.36% | 0.11% | 0.07% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.26% | 12.65% | 13.06% | 13.05% | 13.32% | 13.27% | 13.52% | 12.77% | -28 bps | |
| Net Worth / Assets | 12.26% | 12.65% | 13.06% | 13.05% | 13.32% | 13.27% | 13.52% | 12.77% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.22% | 69.47% | 64.05% | 66.31% | 70.39% | 70.27% | 67.09% | 62.71% | -360 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Victoria, TX · Charter 3736 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.57%
Rank 118 of 235
Net Interest Margin
4.46%
Rank 50 of 235
Efficiency Ratio
94.89%
Rank 195 of 235
Equity / Assets
12.77%
Rank 141 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.17% | 0.57% | 1.10% | Beats 50% | 118 / 235 | ||
| Return on Equity | 4.49% | 1.03% | 4.30% | 7.58% | Beats 52% | 112 / 235 | ||
| Net Interest Margin | 4.46% | 3.32% | 3.89% | 4.35% | Beats 79% | 50 / 235 | ||
| Efficiency Ratio | 94.89% | 70.60% | 82.00% | 91.57% | Beats 17% | 195 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.20% | 0.59% | 1.14% | Beats 90% | 25 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.77% | 11.30% | 14.41% | 19.49% | Beats 40% | 141 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.77% | 11.30% | 14.41% | 19.49% | Beats 40% | 141 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.72% | 54.18% | 67.38% | 81.66% | 40th pctl | 141 / 235 | ||
| Loans / Assets | 55.00% | 43.80% | 56.63% | 68.64% | 46th pctl | 127 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||