Deer Park, TX · Charter 60378
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 the Houston-Pasadena-The Woodlands, TX area (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
67
Profitability
55
Liquidity
59
Efficiency
63
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.
Deer Park, TX · Charter 60378
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 | 1.19% | 1.15% | 0.73% | 0.89% | 0.86% | 0.69% | 0.74% | 0.80% | -9 bps | |
| Return on Equity | 6.96% | 6.48% | 4.17% | 4.89% | 4.51% | 3.58% | 3.91% | 4.28% | -61 bps | |
| Net Interest Margin | 3.75% | 3.88% | 3.94% | 4.10% | 4.28% | 4.25% | 4.07% | 4.05% | -5 bps | |
| Efficiency Ratio | 72.47% | 73.74% | 76.37% | 75.98% | 76.66% | 79.28% | 80.96% | 77.40% | +142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.75% | -3.81% | -2.68% | -2.23% | -6.17% | -4.15% | -3.58% | 0.45% | +269 bps | |
| Loan Growth (YoY) | -4.61% | -4.50% | -0.46% | 2.19% | 3.81% | 5.98% | 1.73% | -2.25% | -444 bps | |
| Share Growth (YoY) | -7.99% | -5.67% | -4.53% | -3.94% | -8.93% | -5.84% | -5.11% | -0.24% | +370 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 1.08% | 0.49% | 0.52% | 0.43% | 0.58% | 0.57% | 0.44% | -8 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 | 17.15% | 17.69% | 17.55% | 18.27% | 19.15% | 19.12% | 18.84% | 18.78% | +52 bps | |
| Net Worth / Assets | 17.15% | 17.69% | 17.55% | 18.27% | 19.15% | 19.12% | 18.84% | 18.78% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.55% | 59.01% | 58.88% | 62.47% | 65.60% | 66.41% | 63.12% | 61.21% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Deer Park, TX · Charter 60378 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.81%
Rank 24 of 63
Net Interest Margin
4.05%
Rank 33 of 63
Efficiency Ratio
77.39%
Rank 24 of 63
Equity / Assets
18.78%
Rank 17 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.81% | 0.11% | 0.53% | 1.19% | Beats 62% | 24 / 63 | ||
| Return on Equity | 4.29% | 1.09% | 3.60% | 6.92% | Beats 56% | 27 / 62 | ||
| Net Interest Margin | 4.05% | 3.19% | 4.06% | 4.80% | Beats 48% | 33 / 63 | ||
| Efficiency Ratio | 77.39% | 72.55% | 82.57% | 90.97% | Beats 63% | 24 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.32% | 0.64% | 1.62% | Beats 67% | 22 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.78% | 10.13% | 12.81% | 19.70% | Beats 73% | 17 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.78% | 10.13% | 12.81% | 19.70% | Beats 73% | 17 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.21% | 55.42% | 71.20% | 87.46% | 35th pctl | 41 / 63 | ||
| Loans / Assets | 49.46% | 48.43% | 59.68% | 73.12% | 29th pctl | 45 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||