Skellytown, TX · Charter 60396
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
81
Asset Quality
45
Profitability
34
Liquidity
52
Efficiency
45
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.
Skellytown, TX · Charter 60396
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.85% | 0.90% | 0.33% | 0.54% | -5 bps | |
| Return on Equity | 2.76% | 3.94% | 4.24% | 1.57% | 2.52% | -24 bps | |
| Net Interest Margin | 3.24% | 3.30% | 3.24% | 3.20% | 3.24% | 0 bps | |
| Efficiency Ratio | 81.84% | 79.87% | 78.38% | 90.74% | 83.51% | +167 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.64% | 4.01% | 6.59% | 4.53% | 3.59% | +195 bps | |
| Loan Growth (YoY) | -8.09% | -0.51% | -4.82% | -15.99% | -10.56% | -247 bps | |
| Share Growth (YoY) | 1.61% | 4.09% | 7.23% | 4.63% | 3.39% | +178 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.91% | 1.23% | 0.73% | 0.70% | 0.64% | -127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.25% | 0.16% | 0.16% | 0.19% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.33% | 21.58% | 21.12% | 21.14% | 21.47% | +15 bps | |
| Net Worth / Assets | 21.33% | 21.58% | 21.12% | 21.14% | 21.47% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.22% | 67.24% | 61.52% | 55.23% | 54.68% | -853 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Skellytown, TX · Charter 60396 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.55%
Rank 122 of 235
Net Interest Margin
3.24%
Rank 190 of 235
Efficiency Ratio
83.50%
Rank 131 of 235
Equity / Assets
21.47%
Rank 44 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.17% | 0.57% | 1.10% | Beats 48% | 122 / 235 | |
| Return on Equity | 2.56% | 1.03% | 4.30% | 7.58% | Beats 36% | 151 / 235 | |
| Net Interest Margin | 3.24% | 3.32% | 3.89% | 4.35% | Beats 19% | 190 / 235 | |
| Efficiency Ratio | 83.50% | 70.60% | 82.00% | 91.57% | Beats 45% | 131 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.20% | 0.59% | 1.14% | Beats 45% | 130 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.47% | 11.30% | 14.41% | 19.49% | Beats 81% | 44 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.47% | 11.30% | 14.41% | 19.49% | Beats 81% | 44 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.68% | 54.18% | 67.38% | 81.66% | 25th pctl | 176 / 235 | |
| Loans / Assets | 42.92% | 43.80% | 56.63% | 68.64% | 23rd pctl | 180 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||