Waco, TX · Charter 6368
NCUA · 2 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
17
Asset Quality
20
Profitability
75
Liquidity
19
Efficiency
57
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.
Waco, TX · Charter 6368
NCUA · 2 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 | 0.80% | 0.85% | 1.23% | 1.30% | 1.11% | 1.12% | 0.98% | 0.93% | -37 bps | |
| Return on Equity | 8.78% | 9.11% | 13.16% | 13.43% | 11.42% | 11.22% | 9.83% | 9.14% | -429 bps | |
| Net Interest Margin | 4.08% | 4.15% | 4.35% | 4.46% | 4.47% | 4.49% | 4.39% | 4.38% | -8 bps | |
| Efficiency Ratio | 81.76% | 80.81% | 77.44% | 75.94% | 78.72% | 78.33% | 76.46% | 79.21% | +327 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.10% | 0.17% | 2.31% | 3.35% | 5.52% | 5.34% | 4.07% | 4.80% | +144 bps | |
| Loan Growth (YoY) | 2.31% | 4.97% | 9.96% | 5.56% | 11.52% | 8.24% | 5.15% | 2.81% | -276 bps | |
| Share Growth (YoY) | -3.77% | -0.73% | 2.31% | 3.54% | 4.18% | 4.84% | 3.06% | 4.53% | +99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 1.30% | 0.10% | 1.07% | 0.78% | 0.93% | 1.07% | 1.43% | +36 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 | 9.17% | 9.36% | 9.32% | 9.70% | 9.76% | 10.01% | 10.01% | 10.19% | +49 bps | |
| Net Worth / Assets | 9.17% | 9.36% | 9.32% | 9.70% | 9.76% | 10.01% | 10.01% | 10.19% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.33% | 47.84% | 46.94% | 46.86% | 49.59% | 49.38% | 47.89% | 46.09% | -77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waco, TX · Charter 6368 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.94%
Rank 77 of 235
Net Interest Margin
4.38%
Rank 57 of 235
Efficiency Ratio
79.14%
Rank 103 of 235
Equity / Assets
10.19%
Rank 195 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.94% | 0.17% | 0.57% | 1.10% | Beats 67% | 77 / 235 | ||
| Return on Equity | 9.18% | 1.03% | 4.30% | 7.58% | Beats 83% | 41 / 235 | ||
| Net Interest Margin | 4.38% | 3.32% | 3.89% | 4.35% | Beats 76% | 57 / 235 | ||
| Efficiency Ratio | 79.14% | 70.60% | 82.00% | 91.57% | Beats 57% | 103 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.43% | 0.20% | 0.59% | 1.14% | Beats 20% | 190 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.19% | 11.30% | 14.41% | 19.49% | Beats 17% | 195 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.19% | 11.30% | 14.41% | 19.49% | Beats 17% | 195 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.09% | 54.18% | 67.38% | 81.66% | 14th pctl | 201 / 235 | ||
| Loans / Assets | 41.09% | 43.80% | 56.63% | 68.64% | 21st pctl | 185 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||