Katy, TX · Charter 66353
NCUA · 13 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
15
Profitability
65
Liquidity
0
Efficiency
69
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.
Katy, TX · Charter 66353
NCUA · 13 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 | 0.15% | 0.27% | 1.43% | 1.18% | 1.11% | 1.09% | 1.00% | 1.10% | -8 bps | |
| Return on Equity | 1.49% | 2.75% | 14.45% | 11.56% | 10.67% | 10.49% | 9.58% | 10.35% | -121 bps | |
| Net Interest Margin | 2.73% | 2.74% | 2.94% | 3.08% | 3.14% | 3.15% | 3.22% | 3.30% | +22 bps | |
| Efficiency Ratio | 78.80% | 76.55% | 64.95% | 67.90% | 65.79% | 65.95% | 65.17% | 66.66% | -124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.09% | 1.91% | 3.78% | 3.05% | 3.74% | 4.51% | 4.19% | 5.74% | +269 bps | |
| Loan Growth (YoY) | -0.48% | -1.44% | -1.48% | -0.65% | -0.19% | -0.99% | -1.32% | -0.92% | -26 bps | |
| Share Growth (YoY) | -0.16% | 1.46% | 2.84% | 2.62% | 2.95% | 3.71% | 3.55% | 5.22% | +260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.94% | 0.47% | 0.94% | 1.08% | 1.10% | 0.77% | 1.32% | +38 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 | 9.86% | 9.77% | 9.92% | 10.21% | 10.41% | 10.36% | 10.42% | 10.63% | +43 bps | |
| Net Worth / Assets | 9.86% | 9.77% | 9.92% | 10.21% | 10.41% | 10.36% | 10.42% | 10.63% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.26% | 50.51% | 48.54% | 49.49% | 49.70% | 48.22% | 46.26% | 46.60% | -289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Katy, TX · Charter 66353 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
1.10%
Rank 122 of 435
Net Interest Margin
3.30%
Rank 244 of 435
Efficiency Ratio
66.66%
Rank 134 of 435
Equity / Assets
10.63%
Rank 242 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.55% | 0.81% | 1.14% | Beats 72% | 122 / 435 | ||
| Return on Equity | 10.35% | 5.12% | 7.41% | 9.70% | Beats 80% | 89 / 435 | ||
| Net Interest Margin | 3.30% | 3.01% | 3.39% | 3.75% | Beats 44% | 244 / 435 | ||
| Efficiency Ratio | 66.66% | 65.25% | 71.39% | 77.86% | Beats 69% | 134 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.45% | 0.69% | 1.05% | Beats 15% | 369 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.63% | 9.81% | 10.84% | 12.63% | Beats 44% | 242 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.63% | 9.81% | 10.84% | 12.63% | Beats 44% | 242 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.60% | 78.33% | 88.38% | 95.61% | 1st pctl | 429 / 435 | ||
| Loans / Assets | 41.33% | 67.69% | 74.58% | 80.80% | 2nd pctl | 428 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||