Plains, TX · Charter 6472
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 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
88
Asset Quality
84
Profitability
34
Liquidity
75
Efficiency
24
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.
Plains, TX · Charter 6472
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 | 0.76% | 0.07% | -0.86% | -0.80% | -0.28% | -0.31% | 0.60% | 0.31% | +111 bps | |
| Return on Equity | 3.45% | 0.30% | -3.70% | -3.44% | -1.24% | -1.33% | 2.42% | 1.24% | +467 bps | |
| Net Interest Margin | 2.92% | 2.97% | 2.19% | 2.28% | 2.30% | 2.51% | 3.61% | 3.74% | +145 bps | |
| Efficiency Ratio | 93.07% | 103.96% | 135.45% | 121.43% | 103.82% | 114.39% | 83.83% | 91.68% | -2,976 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.48% | -5.95% | -9.14% | -10.07% | -7.46% | -5.28% | -5.50% | -5.47% | +460 bps | |
| Loan Growth (YoY) | -10.91% | -15.38% | -13.72% | -16.82% | -7.83% | 3.68% | 3.54% | 10.44% | +2,726 bps | |
| Share Growth (YoY) | -7.69% | -7.93% | -11.38% | -12.16% | -8.94% | -6.58% | -7.05% | -7.22% | +494 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 0.77% | 0.34% | 1.51% | 0.99% | 0.14% | 0.82% | 0.09% | -143 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 | 0.08% | 0.59% | 0.52% | 0.82% | 0.75% | 0.28% | 0.27% | 0.22% | -60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.98% | 22.36% | 23.18% | 23.35% | 22.99% | 23.30% | 24.59% | 24.95% | +160 bps | |
| Net Worth / Assets | 21.98% | 22.36% | 23.18% | 23.35% | 22.99% | 23.30% | 24.59% | 24.95% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.03% | 61.28% | 63.95% | 61.55% | 62.79% | 68.00% | 71.23% | 73.27% | +1,172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Plains, TX · Charter 6472 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.30%
Rank 157 of 235
Net Interest Margin
3.73%
Rank 135 of 235
Efficiency Ratio
91.89%
Rank 180 of 235
Equity / Assets
24.95%
Rank 28 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.17% | 0.57% | 1.10% | Beats 33% | 157 / 235 | ||
| Return on Equity | 1.20% | 1.03% | 4.30% | 7.58% | Beats 26% | 174 / 235 | ||
| Net Interest Margin | 3.73% | 3.32% | 3.89% | 4.35% | Beats 43% | 135 / 235 | ||
| Efficiency Ratio | 91.89% | 70.60% | 82.00% | 91.57% | Beats 24% | 180 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.20% | 0.59% | 1.14% | Beats 84% | 39 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.95% | 11.30% | 14.41% | 19.49% | Beats 88% | 28 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.95% | 11.30% | 14.41% | 19.49% | Beats 88% | 28 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.26% | 54.18% | 67.38% | 81.66% | 63rd pctl | 88 / 235 | ||
| Loans / Assets | 54.60% | 43.80% | 56.63% | 68.64% | 45th pctl | 129 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||