Hallettsville, TX · Charter 3946
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
14
Asset Quality
91
Profitability
21
Liquidity
47
Efficiency
37
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.
Hallettsville, TX · Charter 3946
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 | 0.94% | 0.84% | 0.70% | 0.56% | 0.61% | 0.65% | 0.08% | 0.17% | -38 bps | |
| Return on Equity | 8.56% | 7.64% | 6.41% | 5.22% | 5.81% | 6.10% | 0.73% | 1.75% | -347 bps | |
| Net Interest Margin | 3.29% | 3.26% | 3.24% | 3.15% | 3.12% | 3.12% | 3.10% | 2.94% | -21 bps | |
| Efficiency Ratio | 73.29% | 74.53% | 76.85% | 80.98% | 78.37% | 77.54% | 84.32% | 86.64% | +566 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | 1.15% | 3.18% | 6.87% | 10.43% | 10.78% | 9.89% | 13.76% | +689 bps | |
| Loan Growth (YoY) | 1.52% | 0.81% | 3.10% | 4.43% | 5.44% | 3.17% | 2.14% | 1.71% | -272 bps | |
| Share Growth (YoY) | -1.50% | 0.34% | 2.62% | 6.96% | 10.91% | 11.32% | 10.38% | 14.80% | +784 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.60% | 0.13% | 0.21% | 0.21% | 0.56% | 0.02% | 0.01% | -20 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 | 11.01% | 11.02% | 10.89% | 10.65% | 10.57% | 10.60% | 10.40% | 9.80% | -85 bps | |
| Net Worth / Assets | 11.01% | 11.02% | 10.89% | 10.65% | 10.57% | 10.60% | 10.40% | 9.80% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.05% | 62.73% | 61.30% | 60.30% | 59.93% | 58.13% | 56.72% | 53.42% | -688 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hallettsville, TX · Charter 3946 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.17%
Rank 178 of 235
Net Interest Margin
2.94%
Rank 213 of 235
Efficiency Ratio
86.62%
Rank 150 of 235
Equity / Assets
9.80%
Rank 202 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.17% | 0.57% | 1.10% | Beats 24% | 178 / 235 | ||
| Return on Equity | 1.74% | 1.03% | 4.30% | 7.58% | Beats 31% | 162 / 235 | ||
| Net Interest Margin | 2.94% | 3.32% | 3.89% | 4.35% | Beats 9% | 213 / 235 | ||
| Efficiency Ratio | 86.62% | 70.60% | 82.00% | 91.57% | Beats 37% | 150 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.20% | 0.59% | 1.14% | Beats 91% | 21 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.80% | 11.30% | 14.41% | 19.49% | Beats 14% | 202 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.80% | 11.30% | 14.41% | 19.49% | Beats 14% | 202 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.42% | 54.18% | 67.38% | 81.66% | 23rd pctl | 180 / 235 | ||
| Loans / Assets | 47.96% | 43.80% | 56.63% | 68.64% | 32nd pctl | 160 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||