S & S 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
$134.2M Assets
$92.9M Loans
$113.5M Shares
$19.5M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 84% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 12 of 67). Widest gap: efficiency ratio trails 61% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 42 of 67). Overall: at or above the peer median on 4 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (67 to 68 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.28%, the median effective tax rate of the 2,787 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-10