Longview, TX · Charter 66351
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
10
Asset Quality
71
Profitability
27
Liquidity
0
Efficiency
38
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.
Longview, TX · Charter 66351
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 | -0.05% | 0.01% | -2.12% | -1.00% | -1.40% | -2.15% | -1.09% | -0.44% | +56 bps | |
| Return on Equity | -0.50% | 0.08% | -22.21% | -10.37% | -14.78% | -24.21% | -12.35% | -4.76% | +561 bps | |
| Net Interest Margin | 3.54% | 3.53% | 3.37% | 3.43% | 3.65% | 3.95% | 3.79% | 4.11% | +67 bps | |
| Efficiency Ratio | 85.18% | 83.38% | 85.72% | 88.60% | 91.52% | 88.18% | 92.82% | 86.00% | -261 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 2.71% | 2.91% | 7.12% | 4.34% | -2.04% | -7.79% | -13.77% | -2,088 bps | |
| Loan Growth (YoY) | 6.61% | 3.45% | 4.00% | 4.35% | 1.53% | 0.14% | -5.22% | -8.44% | -1,279 bps | |
| Share Growth (YoY) | 1.38% | 0.38% | 2.24% | 6.69% | 3.53% | -2.07% | -7.29% | -11.11% | -1,780 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.32% | 2.27% | 0.86% | 0.93% | 1.82% | 0.60% | 0.40% | 0.31% | -62 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 | 11.06% | 10.97% | 9.54% | 9.68% | 9.46% | 8.89% | 8.86% | 9.28% | -40 bps | |
| Net Worth / Assets | 11.06% | 10.97% | 9.54% | 9.68% | 9.46% | 8.89% | 8.86% | 9.28% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.48% | 97.94% | 93.47% | 93.82% | 96.58% | 100.15% | 95.57% | 96.63% | +281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Longview, TX · Charter 66351 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
Return on Assets
-0.44%
Rank 213 of 235
Net Interest Margin
4.11%
Rank 81 of 235
Efficiency Ratio
85.99%
Rank 147 of 235
Equity / Assets
9.28%
Rank 212 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.44% | 0.17% | 0.57% | 1.10% | Beats 9% | 213 / 235 | ||
| Return on Equity | -4.75% | 1.03% | 4.30% | 7.58% | Beats 6% | 220 / 235 | ||
| Net Interest Margin | 4.11% | 3.32% | 3.89% | 4.35% | Beats 66% | 81 / 235 | ||
| Efficiency Ratio | 85.99% | 70.60% | 82.00% | 91.57% | Beats 38% | 147 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.20% | 0.59% | 1.14% | Beats 71% | 70 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.28% | 11.30% | 14.41% | 19.49% | Beats 10% | 212 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.28% | 11.30% | 14.41% | 19.49% | Beats 10% | 212 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.63% | 54.18% | 67.38% | 81.66% | 97th pctl | 8 / 235 | ||
| Loans / Assets | 84.17% | 43.80% | 56.63% | 68.64% | 98th pctl | 5 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||