Harlingen, TX · Charter 61734
NCUA · 5 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
20
Asset Quality
61
Profitability
55
Liquidity
0
Efficiency
61
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.
Harlingen, TX · Charter 61734
NCUA · 5 branches
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 | 0.87% | 0.94% | 1.08% | 0.90% | 0.83% | -3 bps | |
| Return on Equity | 8.71% | 9.56% | 10.35% | 8.77% | 7.90% | -81 bps | |
| Net Interest Margin | 3.30% | 3.22% | 3.34% | 3.20% | 3.32% | +2 bps | |
| Efficiency Ratio | 76.78% | 74.84% | 74.06% | 75.64% | 76.95% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.23% | 13.43% | 12.43% | 9.69% | 4.76% | -547 bps | |
| Loan Growth (YoY) | -12.98% | -13.71% | -15.09% | -11.21% | -7.79% | +519 bps | |
| Share Growth (YoY) | 11.19% | 14.67% | 13.06% | 9.70% | 3.86% | -733 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.39% | 0.53% | 0.48% | 0.42% | +20 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 | 9.94% | 9.87% | 10.42% | 10.27% | 10.54% | +60 bps | |
| Net Worth / Assets | 9.94% | 9.87% | 10.42% | 10.27% | 10.54% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.16% | 44.26% | 42.35% | 39.94% | 39.21% | -495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harlingen, TX · Charter 61734 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
Return on Assets
0.83%
Rank 88 of 235
Net Interest Margin
3.32%
Rank 177 of 235
Efficiency Ratio
76.94%
Rank 93 of 235
Equity / Assets
10.54%
Rank 189 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.17% | 0.57% | 1.10% | Beats 63% | 88 / 235 | |
| Return on Equity | 7.90% | 1.03% | 4.30% | 7.58% | Beats 77% | 54 / 235 | |
| Net Interest Margin | 3.32% | 3.32% | 3.89% | 4.35% | Beats 25% | 177 / 235 | |
| Efficiency Ratio | 76.94% | 70.60% | 82.00% | 91.57% | Beats 61% | 93 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.20% | 0.59% | 1.14% | Beats 61% | 93 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.54% | 11.30% | 14.41% | 19.49% | Beats 20% | 189 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.54% | 11.30% | 14.41% | 19.49% | Beats 20% | 189 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.21% | 54.18% | 67.38% | 81.66% | 9th pctl | 215 / 235 | |
| Loans / Assets | 34.66% | 43.80% | 56.63% | 68.64% | 13th pctl | 205 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||