Corpus Christi, TX · Charter 61306
NCUA · 2 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 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
3
Asset Quality
74
Profitability
66
Liquidity
91
Efficiency
66
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.
Corpus Christi, TX · Charter 61306
NCUA · 2 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 | 0.49% | 0.52% | 0.59% | 0.59% | 0.71% | 0.80% | 0.96% | 0.97% | +38 bps | |
| Return on Equity | 6.09% | 6.34% | 7.26% | 7.27% | 8.48% | 9.62% | 11.59% | 11.81% | +455 bps | |
| Net Interest Margin | 3.13% | 3.16% | 3.33% | 3.40% | 3.53% | 3.47% | 3.59% | 3.51% | +11 bps | |
| Efficiency Ratio | 88.09% | 87.66% | 87.45% | 86.66% | 83.82% | 81.18% | 75.25% | 74.68% | -1,198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.27% | 1.99% | 3.59% | 6.46% | 5.06% | 8.20% | 8.83% | 11.76% | +530 bps | |
| Loan Growth (YoY) | -3.46% | -1.12% | -0.35% | 2.74% | 7.25% | 5.08% | 3.63% | -0.24% | -298 bps | |
| Share Growth (YoY) | -0.50% | 1.19% | 3.23% | 6.13% | 4.83% | 8.35% | 8.65% | 12.28% | +614 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.12% | 0.03% | 0.10% | 0.09% | 0.09% | 0.23% | 0.23% | +14 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 | 8.12% | 8.13% | 8.08% | 8.12% | 8.37% | 8.29% | 8.27% | 8.20% | +8 bps | |
| Net Worth / Assets | 8.12% | 8.13% | 8.08% | 8.12% | 8.37% | 8.29% | 8.27% | 8.20% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.93% | 79.51% | 77.06% | 78.36% | 80.75% | 77.11% | 73.50% | 69.63% | -874 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corpus Christi, TX · Charter 61306 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.97%
Rank 70 of 235
Net Interest Margin
3.51%
Rank 155 of 235
Efficiency Ratio
74.69%
Rank 81 of 235
Equity / Assets
8.20%
Rank 228 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.97% | 0.17% | 0.57% | 1.10% | Beats 70% | 70 / 235 | ||
| Return on Equity | 11.82% | 1.03% | 4.30% | 7.58% | Beats 93% | 17 / 235 | ||
| Net Interest Margin | 3.51% | 3.32% | 3.89% | 4.35% | Beats 34% | 155 / 235 | ||
| Efficiency Ratio | 74.69% | 70.60% | 82.00% | 91.57% | Beats 66% | 81 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.20% | 0.59% | 1.14% | Beats 74% | 63 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.20% | 11.30% | 14.41% | 19.49% | Beats 3% | 228 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.20% | 11.30% | 14.41% | 19.49% | Beats 3% | 228 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.63% | 54.18% | 67.38% | 81.66% | 53rd pctl | 110 / 235 | ||
| Loans / Assets | 63.40% | 43.80% | 56.63% | 68.64% | 66th pctl | 80 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||