Midland, TX · Charter 4020
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
6
Asset Quality
77
Profitability
13
Liquidity
69
Efficiency
25
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.
Midland, TX · Charter 4020
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 | 0.56% | 0.50% | 1.98% | 1.03% | 0.91% | 0.73% | -0.76% | -0.02% | -105 bps | |
| Return on Equity | 5.15% | 4.77% | 19.99% | 10.72% | 9.12% | 7.61% | -8.15% | -0.21% | -1,092 bps | |
| Net Interest Margin | 4.34% | 3.98% | 2.79% | 2.96% | 3.11% | 3.04% | 3.13% | 2.99% | +3 bps | |
| Efficiency Ratio | 86.00% | 86.79% | 63.22% | 77.84% | 80.04% | 82.87% | 100.24% | 91.64% | +1,381 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.85% | 4.20% | 17.06% | 22.80% | 18.61% | 16.81% | 7.34% | 12.39% | -1,041 bps | |
| Loan Growth (YoY) | 6.21% | 3.86% | -1.50% | -6.70% | -4.03% | -3.49% | -1.65% | 1.59% | +829 bps | |
| Share Growth (YoY) | 2.76% | 4.83% | 18.98% | 28.32% | 19.93% | 19.22% | 8.01% | 13.57% | -1,475 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.47% | 0.14% | 0.23% | 0.13% | 0.34% | 0.17% | 0.16% | -7 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 | 10.87% | 10.38% | 9.92% | 9.63% | 9.93% | 9.62% | 9.31% | 8.77% | -86 bps | |
| Net Worth / Assets | 10.87% | 10.38% | 9.92% | 9.63% | 9.93% | 9.62% | 9.31% | 8.77% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.08% | 80.50% | 71.72% | 66.35% | 68.08% | 65.17% | 65.31% | 59.35% | -700 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Midland, TX · Charter 4020 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.02%
Rank 201 of 235
Net Interest Margin
2.99%
Rank 210 of 235
Efficiency Ratio
91.63%
Rank 178 of 235
Equity / Assets
8.77%
Rank 221 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.02% | 0.17% | 0.57% | 1.10% | Beats 14% | 201 / 235 | ||
| Return on Equity | -0.18% | 1.03% | 4.30% | 7.58% | Beats 14% | 202 / 235 | ||
| Net Interest Margin | 2.99% | 3.32% | 3.89% | 4.35% | Beats 11% | 210 / 235 | ||
| Efficiency Ratio | 91.63% | 70.60% | 82.00% | 91.57% | Beats 25% | 178 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.20% | 0.59% | 1.14% | Beats 77% | 54 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.77% | 11.30% | 14.41% | 19.49% | Beats 6% | 221 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.77% | 11.30% | 14.41% | 19.49% | Beats 6% | 221 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.35% | 54.18% | 67.38% | 81.66% | 33rd pctl | 158 / 235 | ||
| Loans / Assets | 53.65% | 43.80% | 56.63% | 68.64% | 43rd pctl | 134 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||