Pasadena, TX · Charter 5648
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
33
Profitability
47
Liquidity
72
Efficiency
68
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.
Pasadena, TX · Charter 5648
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 | 0.44% | 0.58% | 0.47% | 0.38% | 0.47% | 0.53% | 0.77% | 0.91% | +53 bps | |
| Return on Equity | 3.00% | 3.72% | 3.05% | 2.47% | 3.08% | 3.41% | 4.95% | 5.80% | +332 bps | |
| Net Interest Margin | 2.30% | 2.54% | 2.91% | 3.03% | 3.02% | 3.10% | 3.40% | 3.39% | +36 bps | |
| Efficiency Ratio | 74.61% | 71.86% | 74.37% | 74.96% | 74.85% | 72.78% | 67.16% | 67.15% | -780 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.62% | -6.76% | -5.54% | -3.19% | -1.18% | 2.96% | 1.19% | 3.36% | +655 bps | |
| Loan Growth (YoY) | 5.36% | -0.29% | -0.72% | -1.02% | -1.31% | 1.88% | 1.72% | 1.87% | +289 bps | |
| Share Growth (YoY) | -0.64% | -5.42% | -1.01% | 1.47% | 11.56% | 13.55% | 10.43% | 11.22% | +975 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.76% | 0.53% | 0.81% | 0.84% | 0.90% | 0.58% | 0.90% | +9 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 | 14.57% | 15.49% | 15.28% | 15.52% | 15.22% | 15.47% | 15.60% | 15.70% | +19 bps | |
| Net Worth / Assets | 14.57% | 15.49% | 15.28% | 15.52% | 15.22% | 15.47% | 15.60% | 15.70% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.00% | 94.53% | 89.78% | 89.37% | 85.81% | 84.81% | 82.70% | 81.85% | -752 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pasadena, TX · Charter 5648 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
Return on Assets
0.91%
Rank 172 of 435
Net Interest Margin
3.39%
Rank 219 of 435
Efficiency Ratio
67.15%
Rank 140 of 435
Equity / Assets
15.70%
Rank 26 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.55% | 0.81% | 1.14% | Beats 60% | 172 / 435 | ||
| Return on Equity | 5.80% | 5.12% | 7.41% | 9.70% | Beats 32% | 294 / 435 | ||
| Net Interest Margin | 3.39% | 3.01% | 3.39% | 3.75% | Beats 50% | 219 / 435 | ||
| Efficiency Ratio | 67.15% | 65.25% | 71.39% | 77.86% | Beats 68% | 140 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.45% | 0.69% | 1.05% | Beats 33% | 292 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.70% | 9.81% | 10.84% | 12.63% | Beats 94% | 26 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.70% | 9.81% | 10.84% | 12.63% | Beats 94% | 26 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.85% | 78.33% | 88.38% | 95.61% | 32nd pctl | 294 / 435 | ||
| Loans / Assets | 70.41% | 67.69% | 74.58% | 80.80% | 34th pctl | 285 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||