Beaumont, TX · Charter 60409
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
83
Asset Quality
3
Profitability
5
Liquidity
25
Efficiency
4
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.
Beaumont, TX · Charter 60409
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 | 0.33% | -0.02% | -0.93% | 1.58% | -0.73% | -106 bps | |
| Return on Equity | 1.29% | -0.09% | -3.60% | 6.87% | -3.29% | -458 bps | |
| Net Interest Margin | 2.33% | 2.38% | 2.57% | 2.36% | 2.25% | -8 bps | |
| Efficiency Ratio | 89.43% | 90.04% | 121.09% | 50.45% | 117.16% | +2,773 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.66% | 1.71% | -3.44% | 6.56% | 10.01% | +1,267 bps | |
| Loan Growth (YoY) | -27.43% | -11.26% | -1.45% | -2.64% | -8.74% | +1,870 bps | |
| Share Growth (YoY) | -3.07% | 2.62% | -4.30% | 9.79% | 14.78% | +1,785 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.70% | 2.01% | 1.99% | 4.97% | +497 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.11% | 0.63% | 0.96% | 0.72% | 1.36% | +125 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.46% | 25.21% | 25.88% | 22.94% | 22.28% | -318 bps | |
| Net Worth / Assets | 25.46% | 25.21% | 25.88% | 22.94% | 22.28% | -318 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.01% | 63.43% | 68.82% | 54.92% | 47.72% | -1,230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beaumont, TX · Charter 60409 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.74%
Rank 220 of 235
Net Interest Margin
2.27%
Rank 233 of 235
Efficiency Ratio
115.58%
Rank 226 of 235
Equity / Assets
22.28%
Rank 40 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.74% | 0.17% | 0.57% | 1.10% | Beats 6% | 220 / 235 | |
| Return on Equity | -3.30% | 1.03% | 4.30% | 7.58% | Beats 8% | 217 / 235 | |
| Net Interest Margin | 2.27% | 3.32% | 3.89% | 4.35% | Beats 1% | 233 / 235 | |
| Efficiency Ratio | 115.58% | 70.60% | 82.00% | 91.57% | Beats 4% | 226 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.96% | 0.20% | 0.59% | 1.14% | Beats 3% | 230 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.28% | 11.30% | 14.41% | 19.49% | Beats 83% | 40 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.28% | 11.30% | 14.41% | 19.49% | Beats 83% | 40 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.71% | 54.18% | 67.38% | 81.66% | 17th pctl | 196 / 235 | |
| Loans / Assets | 36.82% | 43.80% | 56.63% | 68.64% | 14th pctl | 201 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||