La Porte, TX · Charter 6062
NCUA · 4 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 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
8
Asset Quality
68
Profitability
37
Liquidity
12
Efficiency
27
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.
La Porte, TX · Charter 6062
NCUA · 4 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 | 0.31% | 0.25% | 1.18% | 0.88% | 0.79% | 0.69% | 0.06% | 0.27% | -61 bps | |
| Return on Equity | 3.89% | 3.12% | 14.57% | 10.42% | 9.02% | 7.89% | 0.74% | 3.17% | -725 bps | |
| Net Interest Margin | 2.93% | 2.98% | 3.24% | 3.40% | 3.51% | 3.49% | 3.41% | 3.39% | -1 bps | |
| Efficiency Ratio | 89.55% | 90.75% | 75.66% | 80.77% | 82.74% | 83.79% | 93.53% | 90.88% | +1,011 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.32% | 3.58% | 3.40% | 1.35% | -1.73% | -0.77% | -0.46% | 5.16% | +381 bps | |
| Loan Growth (YoY) | -2.27% | -2.38% | -5.51% | -4.25% | -5.81% | -9.23% | -4.84% | -5.12% | -87 bps | |
| Share Growth (YoY) | 2.61% | 3.14% | 2.10% | -0.34% | -3.18% | -2.54% | -1.37% | 5.02% | +537 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.30% | 0.16% | 0.34% | 0.40% | 0.74% | 0.23% | 0.41% | +7 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 | 8.01% | 8.02% | 8.07% | 8.44% | 8.76% | 8.78% | 8.51% | 8.41% | -3 bps | |
| Net Worth / Assets | 8.01% | 8.02% | 8.07% | 8.44% | 8.76% | 8.78% | 8.51% | 8.41% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.31% | 55.83% | 52.56% | 55.30% | 54.78% | 52.00% | 50.71% | 49.96% | -534 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
La Porte, TX · Charter 6062 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 4 branches
Q2 2026
Return on Assets
0.27%
Rank 41 of 63
Net Interest Margin
3.39%
Rank 44 of 63
Efficiency Ratio
90.88%
Rank 47 of 63
Equity / Assets
8.41%
Rank 58 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.27% | 0.11% | 0.53% | 1.19% | Beats 35% | 41 / 63 | ||
| Return on Equity | 3.17% | 1.09% | 3.60% | 6.92% | Beats 47% | 33 / 62 | ||
| Net Interest Margin | 3.39% | 3.19% | 4.06% | 4.80% | Beats 30% | 44 / 63 | ||
| Efficiency Ratio | 90.88% | 72.55% | 82.57% | 90.97% | Beats 27% | 47 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.32% | 0.64% | 1.62% | Beats 68% | 21 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.41% | 10.13% | 12.81% | 19.70% | Beats 8% | 58 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.41% | 10.13% | 12.81% | 19.70% | Beats 8% | 58 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.96% | 55.42% | 71.20% | 87.46% | 17th pctl | 52 / 63 | ||
| Loans / Assets | 45.87% | 48.43% | 59.68% | 73.12% | 22nd pctl | 49 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||