Houston, TX · Charter 61457
NCUA · 6 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
14
Asset Quality
71
Profitability
49
Liquidity
52
Efficiency
38
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 61457
NCUA · 6 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 | 0.41% | 0.48% | 0.21% | 0.15% | -2.26% | -1.64% | 0.24% | 0.22% | +8 bps | |
| Return on Equity | 3.66% | 4.38% | 1.90% | 1.31% | -23.40% | -17.53% | 2.53% | 2.35% | +103 bps | |
| Net Interest Margin | 4.11% | 4.21% | 4.59% | 4.70% | 4.91% | 4.90% | 4.81% | 4.81% | +11 bps | |
| Efficiency Ratio | 84.76% | 84.67% | 87.46% | 84.04% | 86.29% | 86.36% | 80.86% | 86.94% | +291 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.89% | 2.42% | 0.38% | 0.56% | -2.23% | -2.32% | -1.94% | -1.89% | -244 bps | |
| Loan Growth (YoY) | 1.01% | 3.43% | 4.74% | 4.46% | 2.20% | -0.58% | -0.01% | -2.55% | -701 bps | |
| Share Growth (YoY) | 0.52% | 1.30% | 0.64% | 1.50% | -0.92% | -0.44% | -0.33% | -0.66% | -216 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.81% | 1.06% | 1.12% | 0.74% | 0.78% | 0.37% | 0.39% | -72 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 | 11.20% | 11.05% | 10.99% | 11.07% | 9.66% | 9.38% | 9.31% | 9.41% | -166 bps | |
| Net Worth / Assets | 11.20% | 11.05% | 10.99% | 11.07% | 9.66% | 9.38% | 9.31% | 9.41% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.67% | 85.47% | 83.59% | 84.76% | 85.28% | 85.34% | 83.86% | 83.15% | -161 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 61457 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 6 branches
Q2 2026
Return on Assets
0.22%
Rank 44 of 63
Net Interest Margin
4.81%
Rank 15 of 63
Efficiency Ratio
86.95%
Rank 40 of 63
Equity / Assets
9.41%
Rank 54 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.11% | 0.53% | 1.19% | Beats 30% | 44 / 63 | ||
| Return on Equity | 2.34% | 1.09% | 3.60% | 6.92% | Beats 40% | 37 / 62 | ||
| Net Interest Margin | 4.81% | 3.19% | 4.06% | 4.80% | Beats 76% | 15 / 63 | ||
| Efficiency Ratio | 86.95% | 72.55% | 82.57% | 90.97% | Beats 38% | 40 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.32% | 0.64% | 1.62% | Beats 71% | 19 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.41% | 10.13% | 12.81% | 19.70% | Beats 14% | 54 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.41% | 10.13% | 12.81% | 19.70% | Beats 14% | 54 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.15% | 55.42% | 71.20% | 87.46% | 65th pctl | 22 / 63 | ||
| Loans / Assets | 73.12% | 48.43% | 59.68% | 73.12% | 75th pctl | 16 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||