Houston, TX · Charter 62571
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 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
32
Asset Quality
49
Profitability
40
Liquidity
26
Efficiency
22
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 62571
NCUA · 5 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 | 0.14% | 0.07% | -0.21% | -0.20% | -0.21% | -0.27% | 0.02% | 0.02% | +22 bps | |
| Return on Equity | 1.40% | 0.72% | -1.98% | -1.82% | -1.92% | -2.50% | 0.21% | 0.22% | +204 bps | |
| Net Interest Margin | 4.37% | 4.48% | 4.62% | 4.87% | 4.94% | 4.92% | 4.77% | 4.89% | +2 bps | |
| Efficiency Ratio | 92.67% | 94.64% | 100.36% | 99.34% | 97.74% | 98.63% | 93.82% | 92.71% | -663 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.23% | -1.19% | -6.29% | -9.30% | -8.36% | -6.16% | -7.17% | -4.93% | +437 bps | |
| Loan Growth (YoY) | -1.33% | -7.41% | -8.29% | -7.18% | -7.41% | -7.80% | -7.41% | -9.89% | -270 bps | |
| Share Growth (YoY) | 0.24% | -1.07% | -6.77% | -9.64% | -8.94% | -6.65% | -6.88% | -5.19% | +445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.49% | 0.61% | 0.57% | 0.53% | 0.56% | 0.65% | 0.66% | +8 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 | 10.17% | 10.29% | 10.36% | 10.76% | 10.88% | 10.68% | 10.93% | 11.14% | +38 bps | |
| Net Worth / Assets | 10.17% | 10.29% | 10.36% | 10.76% | 10.88% | 10.68% | 10.93% | 11.14% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.42% | 91.15% | 89.88% | 94.43% | 93.98% | 90.02% | 89.37% | 89.75% | -468 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 62571 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 5 branches
Q2 2026
Return on Assets
0.02%
Rank 50 of 63
Net Interest Margin
4.89%
Rank 12 of 63
Efficiency Ratio
92.72%
Rank 50 of 63
Equity / Assets
11.14%
Rank 43 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.02% | 0.11% | 0.53% | 1.19% | Beats 21% | 50 / 63 | ||
| Return on Equity | 0.21% | 1.09% | 3.60% | 6.92% | Beats 19% | 50 / 62 | ||
| Net Interest Margin | 4.89% | 3.19% | 4.06% | 4.80% | Beats 81% | 12 / 63 | ||
| Efficiency Ratio | 92.72% | 72.55% | 82.57% | 90.97% | Beats 22% | 50 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.66% | 0.32% | 0.64% | 1.62% | Beats 49% | 33 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.14% | 10.13% | 12.81% | 19.70% | Beats 32% | 43 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.14% | 10.13% | 12.81% | 19.70% | Beats 32% | 43 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.75% | 55.42% | 71.20% | 87.46% | 81st pctl | 12 / 63 | ||
| Loans / Assets | 79.17% | 48.43% | 59.68% | 73.12% | 89th pctl | 7 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||