Nacogdoches, TX · Charter 62446
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
44
Asset Quality
46
Profitability
62
Liquidity
12
Efficiency
34
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.
Nacogdoches, TX · Charter 62446
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 | 0.14% | 0.37% | 0.46% | 1.30% | 0.59% | +44 bps | |
| Return on Equity | 1.13% | 2.86% | 3.38% | 9.55% | 4.34% | +321 bps | |
| Net Interest Margin | 4.37% | 4.47% | 4.57% | 4.50% | 4.59% | +21 bps | |
| Efficiency Ratio | 90.82% | 88.28% | 88.29% | 84.79% | 86.85% | -397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.51% | -1.88% | -1.59% | -2.55% | -0.49% | +202 bps | |
| Loan Growth (YoY) | 0.11% | -2.55% | -2.99% | -3.17% | 8.39% | +828 bps | |
| Share Growth (YoY) | -2.33% | -2.53% | -1.62% | -3.66% | -0.80% | +153 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.23% | 0.58% | 0.61% | 0.62% | +18 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 | 12.81% | 13.12% | 13.53% | 13.61% | 13.54% | +73 bps | |
| Net Worth / Assets | 12.81% | 13.12% | 13.53% | 13.61% | 13.54% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.01% | 80.00% | 81.10% | 80.25% | 88.52% | +751 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nacogdoches, TX · Charter 62446 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
Return on Assets
0.59%
Rank 116 of 235
Net Interest Margin
4.59%
Rank 41 of 235
Efficiency Ratio
86.86%
Rank 155 of 235
Equity / Assets
13.54%
Rank 132 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.17% | 0.57% | 1.10% | Beats 51% | 116 / 235 | |
| Return on Equity | 4.33% | 1.03% | 4.30% | 7.58% | Beats 51% | 115 / 235 | |
| Net Interest Margin | 4.59% | 3.32% | 3.89% | 4.35% | Beats 83% | 41 / 235 | |
| Efficiency Ratio | 86.86% | 70.60% | 82.00% | 91.57% | Beats 34% | 155 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.62% | 0.20% | 0.59% | 1.14% | Beats 46% | 127 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.54% | 11.30% | 14.41% | 19.49% | Beats 44% | 132 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.54% | 11.30% | 14.41% | 19.49% | Beats 44% | 132 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.52% | 54.18% | 67.38% | 81.66% | 86th pctl | 34 / 235 | |
| Loans / Assets | 77.37% | 43.80% | 56.63% | 68.64% | 91st pctl | 21 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||