Humble, TX · Charter 6318
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
97
Asset Quality
5
Profitability
64
Liquidity
0
Efficiency
84
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.
Humble, TX · Charter 6318
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 | 3.39% | 1.53% | 1.30% | 1.97% | 1.44% | -195 bps | |
| Return on Equity | 8.34% | 3.81% | 3.21% | 4.83% | 3.56% | -479 bps | |
| Net Interest Margin | 8.48% | 6.53% | 6.37% | 7.02% | 4.23% | -425 bps | |
| Efficiency Ratio | 60.96% | 75.33% | 79.45% | 76.12% | 67.91% | +696 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.17% | 8.36% | 7.53% | 5.94% | 4.94% | +1,110 bps | |
| Loan Growth (YoY) | 12.89% | 18.78% | 13.16% | -10.03% | -10.50% | -2,339 bps | |
| Share Growth (YoY) | -9.39% | 9.33% | 10.83% | 8.17% | 5.15% | +1,454 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.57% | 4.82% | 6.08% | 5.31% | 9.37% | +780 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.74% | 0.77% | 0.83% | 0.86% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 40.64% | 40.27% | 40.49% | 40.79% | 40.46% | -18 bps | |
| Net Worth / Assets | 40.64% | 40.27% | 40.49% | 40.79% | 40.46% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 134.02% | 137.29% | 131.73% | 119.61% | 114.08% | -1,994 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Humble, TX · Charter 6318 · 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
1.46%
Rank 9 of 63
Net Interest Margin
4.22%
Rank 28 of 63
Efficiency Ratio
68.48%
Rank 11 of 63
Equity / Assets
40.46%
Rank 2 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 0.11% | 0.53% | 1.19% | Beats 86% | 9 / 63 | |
| Return on Equity | 3.60% | 1.09% | 3.60% | 6.92% | Beats 50% | 31 / 62 | |
| Net Interest Margin | 4.22% | 3.19% | 4.06% | 4.80% | Beats 56% | 28 / 63 | |
| Efficiency Ratio | 68.48% | 72.55% | 82.57% | 90.97% | Beats 84% | 11 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 9.37% | 0.32% | 0.64% | 1.62% | Beats 5% | 61 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 40.46% | 10.13% | 12.81% | 19.70% | Beats 97% | 2 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 40.46% | 10.13% | 12.81% | 19.70% | Beats 97% | 2 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 114.09% | 55.42% | 71.20% | 87.46% | 98th pctl | 1 / 63 | |
| Loans / Assets | 66.41% | 48.43% | 59.68% | 73.12% | 63rd pctl | 23 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||