Groves, TX · Charter 60205
NCUA · 5 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
16
Asset Quality
59
Profitability
47
Liquidity
94
Efficiency
57
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.
Groves, TX · Charter 60205
NCUA · 5 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 | 0.36% | 0.38% | 0.14% | 0.31% | 0.16% | 0.28% | 0.35% | 0.53% | +22 bps | |
| Return on Equity | 3.39% | 3.57% | 1.34% | 2.96% | 1.58% | 2.79% | 3.54% | 5.29% | +233 bps | |
| Net Interest Margin | 2.91% | 2.97% | 3.02% | 3.16% | 3.25% | 3.17% | 3.39% | 3.54% | +38 bps | |
| Efficiency Ratio | 84.28% | 84.16% | 93.95% | 87.14% | 86.22% | 84.51% | 82.79% | 78.58% | -856 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.61% | -1.64% | 1.16% | 2.61% | 3.80% | 8.84% | 7.06% | 6.88% | +427 bps | |
| Loan Growth (YoY) | 3.09% | 3.40% | 5.29% | 5.57% | 4.67% | 9.17% | 12.72% | 14.52% | +895 bps | |
| Share Growth (YoY) | -3.00% | -1.21% | 0.60% | 2.32% | 3.56% | 7.91% | 6.28% | 6.44% | +411 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 1.37% | 1.33% | 1.33% | 0.24% | 0.43% | 0.37% | 0.45% | -88 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 | 10.56% | 10.70% | 10.23% | 10.33% | 10.23% | 9.95% | 9.80% | 9.98% | -35 bps | |
| Net Worth / Assets | 10.56% | 10.70% | 10.23% | 10.33% | 10.23% | 9.95% | 9.80% | 9.98% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.47% | 61.54% | 60.01% | 61.27% | 62.12% | 62.26% | 63.64% | 65.92% | +465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Groves, TX · Charter 60205 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
Return on Assets
0.53%
Rank 125 of 235
Net Interest Margin
3.54%
Rank 151 of 235
Efficiency Ratio
78.58%
Rank 101 of 235
Equity / Assets
9.98%
Rank 198 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.17% | 0.57% | 1.10% | Beats 47% | 125 / 235 | ||
| Return on Equity | 5.29% | 1.03% | 4.30% | 7.58% | Beats 59% | 96 / 235 | ||
| Net Interest Margin | 3.54% | 3.32% | 3.89% | 4.35% | Beats 36% | 151 / 235 | ||
| Efficiency Ratio | 78.58% | 70.60% | 82.00% | 91.57% | Beats 57% | 101 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.20% | 0.59% | 1.14% | Beats 59% | 98 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.98% | 11.30% | 14.41% | 19.49% | Beats 16% | 198 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.98% | 11.30% | 14.41% | 19.49% | Beats 16% | 198 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.92% | 54.18% | 67.38% | 81.66% | 47th pctl | 124 / 235 | ||
| Loans / Assets | 59.32% | 43.80% | 56.63% | 68.64% | 55th pctl | 105 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||