Houston, TX · Charter 60705
NCUA · 32 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
6
Profitability
47
Liquidity
0
Efficiency
32
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.
Houston, TX · Charter 60705
NCUA · 32 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 | 0.30% | 0.24% | 0.00% | 0.40% | 0.53% | 0.35% | 0.43% | 0.52% | +12 bps | |
| Return on Equity | 3.05% | 2.42% | -0.03% | 3.93% | 5.17% | 3.59% | 4.31% | 5.12% | +119 bps | |
| Net Interest Margin | 4.03% | 4.07% | 3.99% | 4.01% | 4.11% | 4.09% | 4.17% | 4.32% | +31 bps | |
| Efficiency Ratio | 77.14% | 78.49% | 83.80% | 78.34% | 75.48% | 74.93% | 77.65% | 75.80% | -254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | 2.12% | -0.71% | 1.37% | 1.32% | 5.61% | 6.53% | 3.15% | +178 bps | |
| Loan Growth (YoY) | -4.01% | -0.95% | 0.94% | 4.87% | 6.21% | 5.28% | 4.72% | 0.46% | -441 bps | |
| Share Growth (YoY) | 3.75% | 5.02% | 1.20% | 2.59% | -1.48% | -0.45% | 2.71% | -0.20% | -279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 2.57% | 2.01% | 2.85% | 2.56% | 2.21% | 1.50% | 1.77% | -109 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 | 9.96% | 10.05% | 9.92% | 10.12% | 10.25% | 9.87% | 9.86% | 10.17% | +6 bps | |
| Net Worth / Assets | 9.96% | 10.05% | 9.92% | 10.12% | 10.25% | 9.87% | 9.86% | 10.17% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.51% | 105.01% | 104.41% | 107.61% | 111.58% | 111.06% | 106.46% | 108.32% | +71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 60705 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
Return on Assets
0.52%
Rank 338 of 435
Net Interest Margin
4.32%
Rank 22 of 435
Efficiency Ratio
75.80%
Rank 295 of 435
Equity / Assets
10.17%
Rank 285 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.55% | 0.81% | 1.14% | Beats 22% | 338 / 435 | ||
| Return on Equity | 5.12% | 5.12% | 7.41% | 9.70% | Beats 25% | 326 / 435 | ||
| Net Interest Margin | 4.32% | 3.01% | 3.39% | 3.75% | Beats 95% | 22 / 435 | ||
| Efficiency Ratio | 75.80% | 65.25% | 71.39% | 77.86% | Beats 32% | 295 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.77% | 0.45% | 0.69% | 1.05% | Beats 6% | 411 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.17% | 9.81% | 10.84% | 12.63% | Beats 34% | 285 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.17% | 9.81% | 10.84% | 12.63% | Beats 34% | 285 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.32% | 78.33% | 88.38% | 95.61% | 97th pctl | 13 / 435 | ||
| Loans / Assets | 87.25% | 67.69% | 74.58% | 80.80% | 95th pctl | 22 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||