Pecos, TX · Charter 61532
NCUA · 1 branch
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
32
Asset Quality
100
Profitability
34
Liquidity
27
Efficiency
51
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.
Pecos, TX · Charter 61532
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 0.87% | 0.50% | 1.24% | 0.44% | -79 bps | |
| Return on Equity | 9.71% | 6.82% | 4.09% | 10.11% | 3.62% | -609 bps | |
| Net Interest Margin | 2.90% | 2.99% | 3.06% | 3.08% | 3.14% | +23 bps | |
| Efficiency Ratio | 101.42% | 99.87% | 103.36% | 76.01% | 81.35% | -2,008 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.02% | 6.24% | 0.25% | 3.25% | 3.87% | -215 bps | |
| Loan Growth (YoY) | 7.28% | 7.25% | 0.78% | -1.70% | -0.24% | -752 bps | |
| Share Growth (YoY) | 6.47% | 6.41% | -0.67% | 3.40% | 4.18% | -228 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.03% | 0.36% | 0.20% | 0.00% | -9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.63% | 12.71% | 12.23% | 12.23% | 12.07% | -57 bps | |
| Net Worth / Assets | 12.63% | 12.71% | 12.23% | 12.23% | 12.07% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.59% | 89.71% | 90.00% | 83.98% | 84.83% | -376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pecos, TX · Charter 61532 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.44%
Rank 137 of 235
Net Interest Margin
3.13%
Rank 201 of 235
Efficiency Ratio
81.30%
Rank 117 of 235
Equity / Assets
12.07%
Rank 160 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.17% | 0.57% | 1.10% | Beats 42% | 137 / 235 | |
| Return on Equity | 3.61% | 1.03% | 4.30% | 7.58% | Beats 45% | 130 / 235 | |
| Net Interest Margin | 3.13% | 3.32% | 3.89% | 4.35% | Beats 14% | 201 / 235 | |
| Efficiency Ratio | 81.30% | 70.60% | 82.00% | 91.57% | Beats 51% | 117 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.07% | 11.30% | 14.41% | 19.49% | Beats 32% | 160 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.07% | 11.30% | 14.41% | 19.49% | Beats 32% | 160 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.83% | 54.18% | 67.38% | 81.66% | 79th pctl | 50 / 235 | |
| Loans / Assets | 74.14% | 43.80% | 56.63% | 68.64% | 85th pctl | 36 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||