Sweeny, TX · Charter 6175
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 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
76
Asset Quality
79
Profitability
81
Liquidity
0
Efficiency
86
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.
Sweeny, TX · Charter 6175
NCUA · 1 branch
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 | 2.53% | 2.39% | 1.83% | 1.87% | 2.16% | 1.94% | 1.88% | 2.07% | +20 bps | |
| Return on Equity | 13.32% | 12.21% | 9.83% | 9.42% | 10.81% | 9.62% | 9.53% | 10.06% | +64 bps | |
| Net Interest Margin | 5.40% | 5.45% | 4.61% | 4.89% | 5.09% | 5.10% | 4.48% | 4.64% | -25 bps | |
| Efficiency Ratio | 59.33% | 61.71% | 68.48% | 69.31% | 67.21% | 70.89% | 69.24% | 67.70% | -161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.78% | 1.25% | 3.27% | -0.62% | -0.34% | 1.34% | -1.67% | 1.06% | +168 bps | |
| Loan Growth (YoY) | -7.53% | -5.37% | -4.09% | 0.94% | 0.80% | 0.79% | -2.10% | -4.01% | -495 bps | |
| Share Growth (YoY) | -2.02% | -2.16% | -0.47% | -4.11% | -1.34% | -0.60% | -1.93% | -0.33% | +378 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.18% | 0.22% | 0.39% | 0.08% | 0.16% | 0.17% | 0.24% | -15 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 | 18.96% | 19.59% | 18.65% | 19.83% | 19.98% | 20.15% | 19.76% | 20.52% | +69 bps | |
| Net Worth / Assets | 18.96% | 19.59% | 18.65% | 19.83% | 19.98% | 20.15% | 19.76% | 20.52% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.91% | 50.01% | 45.30% | 48.54% | 48.95% | 50.71% | 45.22% | 46.74% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sweeny, TX · Charter 6175 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
2.06%
Rank 4 of 63
Net Interest Margin
4.64%
Rank 24 of 63
Efficiency Ratio
67.64%
Rank 10 of 63
Equity / Assets
20.52%
Rank 15 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.06% | 0.11% | 0.53% | 1.19% | Beats 94% | 4 / 63 | ||
| Return on Equity | 10.06% | 1.09% | 3.60% | 6.92% | Beats 87% | 8 / 62 | ||
| Net Interest Margin | 4.64% | 3.19% | 4.06% | 4.80% | Beats 62% | 24 / 63 | ||
| Efficiency Ratio | 67.64% | 72.55% | 82.57% | 90.97% | Beats 86% | 10 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.32% | 0.64% | 1.62% | Beats 79% | 14 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.52% | 10.13% | 12.81% | 19.70% | Beats 76% | 15 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.52% | 10.13% | 12.81% | 19.70% | Beats 76% | 15 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.74% | 55.42% | 71.20% | 87.46% | 10th pctl | 57 / 63 | ||
| Loans / Assets | 36.53% | 48.43% | 59.68% | 73.12% | 8th pctl | 58 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||