McAllen, TX · Charter 5547
NCUA · 9 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 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
31
Asset Quality
20
Profitability
69
Liquidity
16
Efficiency
60
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.
McAllen, TX · Charter 5547
NCUA · 9 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 | 0.30% | 0.75% | 1.10% | 1.10% | 0.85% | 0.89% | 1.63% | 1.26% | +16 bps | |
| Return on Equity | 2.93% | 7.07% | 10.49% | 10.21% | 7.75% | 7.99% | 14.16% | 10.62% | +41 bps | |
| Net Interest Margin | 3.30% | 3.32% | 3.19% | 3.35% | 3.44% | 3.46% | 3.43% | 3.66% | +31 bps | |
| Efficiency Ratio | 75.61% | 74.78% | 71.32% | 74.26% | 73.73% | 74.01% | 78.17% | 77.82% | +356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.29% | 12.29% | 7.26% | 4.75% | 3.02% | 2.82% | -0.20% | -1.36% | -611 bps | |
| Loan Growth (YoY) | 2.89% | -2.79% | 2.16% | 5.73% | 7.62% | 3.05% | -0.05% | 7.40% | +167 bps | |
| Share Growth (YoY) | 14.16% | 13.46% | 7.10% | 4.10% | 1.58% | 1.32% | -2.00% | -3.03% | -712 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 1.13% | 1.08% | 1.43% | 1.44% | 1.63% | 1.32% | 1.32% | -10 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 | 10.11% | 10.54% | 10.50% | 10.75% | 10.96% | 11.14% | 11.55% | 11.87% | +112 bps | |
| Net Worth / Assets | 10.11% | 10.54% | 10.50% | 10.75% | 10.96% | 11.14% | 11.55% | 11.87% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.08% | 77.31% | 77.60% | 79.00% | 80.61% | 78.63% | 79.15% | 87.49% | +849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
McAllen, TX · Charter 5547 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 9 branches
Q2 2026
Return on Assets
1.26%
Rank 49 of 235
Net Interest Margin
3.66%
Rank 142 of 235
Efficiency Ratio
77.81%
Rank 95 of 235
Equity / Assets
11.87%
Rank 162 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.17% | 0.57% | 1.10% | Beats 79% | 49 / 235 | ||
| Return on Equity | 10.62% | 1.03% | 4.30% | 7.58% | Beats 89% | 26 / 235 | ||
| Net Interest Margin | 3.66% | 3.32% | 3.89% | 4.35% | Beats 40% | 142 / 235 | ||
| Efficiency Ratio | 77.81% | 70.60% | 82.00% | 91.57% | Beats 60% | 95 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.20% | 0.59% | 1.14% | Beats 20% | 188 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.87% | 11.30% | 14.41% | 19.49% | Beats 31% | 162 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.87% | 11.30% | 14.41% | 19.49% | Beats 31% | 162 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.49% | 54.18% | 67.38% | 81.66% | 83rd pctl | 40 / 235 | ||
| Loans / Assets | 76.05% | 43.80% | 56.63% | 68.64% | 89th pctl | 25 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||