Houston, TX · Charter 61135
NCUA · 3 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=67 to 68). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
61
Asset Quality
84
Profitability
48
Liquidity
55
Efficiency
39
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 61135
NCUA · 3 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.33% | -0.43% | -0.07% | -0.24% | -0.18% | -0.02% | 0.44% | +50 bps | |
| Return on Equity | 2.41% | 2.29% | -3.13% | -0.50% | -1.76% | -1.29% | -0.16% | 2.99% | +350 bps | |
| Net Interest Margin | 3.33% | 3.39% | 2.90% | 3.38% | 3.51% | 3.68% | 3.95% | 4.32% | +95 bps | |
| Efficiency Ratio | 90.75% | 90.50% | 100.75% | 95.60% | 94.72% | 93.08% | 90.36% | 85.78% | -982 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.33% | -5.00% | -3.99% | -4.54% | -2.69% | -2.13% | -5.20% | -6.21% | -168 bps | |
| Loan Growth (YoY) | 6.59% | 10.54% | 7.27% | -2.57% | -4.73% | -9.43% | -10.55% | -7.86% | -529 bps | |
| Share Growth (YoY) | -8.86% | -5.66% | -3.48% | -4.18% | -1.32% | -0.57% | -5.53% | -7.48% | -330 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.58% | 0.45% | 0.38% | 0.67% | 0.32% | 0.30% | 0.15% | -24 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 | 14.09% | 14.35% | 13.71% | 13.62% | 13.68% | 13.78% | 14.37% | 14.55% | +93 bps | |
| Net Worth / Assets | 14.09% | 14.35% | 13.71% | 13.62% | 13.68% | 13.78% | 14.37% | 14.55% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.11% | 89.80% | 88.80% | 82.16% | 82.17% | 81.80% | 84.09% | 81.83% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.91% | 98.92% | 100.14% | 100.05% | 0.00% | 99.18% | +26 bps | |
Houston, TX · Charter 61135 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=67-68)
NCUA · 3 branches
Q1 2025
Return on Assets
0.44%
Rank 41 of 68
Net Interest Margin
4.32%
Rank 25 of 67
Efficiency Ratio
85.77%
Rank 42 of 67
Equity / Assets
14.55%
Rank 26 of 67
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.19% | 0.61% | 1.29% | Beats 40% | 41 / 68 | ||
| Return on Equity | 2.99% | 0.55% | 4.19% | 8.36% | Beats 40% | 40 / 67 | ||
| Net Interest Margin | 4.32% | 3.20% | 3.81% | 4.73% | Beats 63% | 25 / 67 | ||
| Efficiency Ratio | 85.77% | 70.81% | 80.92% | 94.54% | Beats 39% | 42 / 67 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.22% | 0.76% | 1.20% | Beats 84% | 12 / 67 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.55% | 10.22% | 12.82% | 19.20% | Beats 60% | 27 / 68 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.55% | 10.08% | 12.74% | 18.94% | Beats 61% | 26 / 67 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.83% | 57.57% | 73.72% | 87.98% | 70th pctl | 20 / 67 | ||
| Loans / Assets | 69.23% | 49.56% | 61.78% | 70.91% | 66th pctl | 23 / 67 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||