Edinburg, TX · Charter 66366
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
84
Asset Quality
83
Profitability
20
Liquidity
0
Efficiency
30
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.
Edinburg, TX · Charter 66366
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 | 0.49% | 0.47% | 0.35% | 0.38% | 0.46% | 0.38% | 0.07% | 0.23% | -15 bps | |
| Return on Equity | 2.08% | 1.97% | 1.50% | 1.67% | 2.01% | 1.65% | 0.30% | 1.03% | -63 bps | |
| Net Interest Margin | 2.94% | 2.98% | 2.79% | 2.79% | 2.78% | 2.73% | 2.62% | 2.63% | -16 bps | |
| Efficiency Ratio | 83.77% | 85.12% | 92.27% | 89.25% | 85.36% | 87.37% | 95.10% | 89.88% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.17% | -2.04% | 3.31% | 5.27% | 4.13% | 7.35% | 3.83% | 3.43% | -184 bps | |
| Loan Growth (YoY) | 10.87% | 3.71% | 3.14% | 8.96% | 0.05% | -1.68% | -7.17% | -9.21% | -1,817 bps | |
| Share Growth (YoY) | -5.49% | -3.02% | 1.21% | 2.26% | 3.76% | 5.21% | 2.37% | 2.21% | -5 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.06% | 0.09% | 0.16% | 0.03% | 0.01% | 0.00% | 0.12% | -4 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 | 23.56% | 24.04% | 23.16% | 23.09% | 23.02% | 22.73% | 22.57% | 22.59% | -50 bps | |
| Net Worth / Assets | 23.56% | 24.04% | 23.16% | 23.09% | 23.02% | 22.73% | 22.57% | 22.59% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.35% | 29.04% | 28.86% | 28.80% | 27.34% | 27.14% | 26.17% | 25.59% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Edinburg, TX · Charter 66366 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.23%
Rank 165 of 235
Net Interest Margin
2.63%
Rank 225 of 235
Efficiency Ratio
89.91%
Rank 166 of 235
Equity / Assets
22.59%
Rank 38 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | 0.17% | 0.57% | 1.10% | Beats 30% | 165 / 235 | ||
| Return on Equity | 1.03% | 1.03% | 4.30% | 7.58% | Beats 25% | 177 / 235 | ||
| Net Interest Margin | 2.63% | 3.32% | 3.89% | 4.35% | Beats 4% | 225 / 235 | ||
| Efficiency Ratio | 89.91% | 70.60% | 82.00% | 91.57% | Beats 30% | 166 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.20% | 0.59% | 1.14% | Beats 83% | 42 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.59% | 11.30% | 14.41% | 19.49% | Beats 84% | 38 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.59% | 11.30% | 14.41% | 19.49% | Beats 84% | 38 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 25.59% | 54.18% | 67.38% | 81.66% | 2nd pctl | 231 / 235 | ||
| Loans / Assets | 21.07% | 43.80% | 56.63% | 68.64% | 2nd pctl | 230 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||