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U. S. Employees

Tomball, TX · Charter 66372

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

57

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

U. S. Employees

Tomball, TX · Charter 66372

NCUA · 2 branches

Q2 2026

$86.4MAssets
$37.5MLoans
$77.0MShares
$9.0MNet Worth

Return on Assets (YTD, annualized)

0.72%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+18 bps YoY

Efficiency Ratio (YTD, annualized)

80.97%+36 bps YoY

Net Worth / Assets

10.37%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.78%0.79%0.55%0.60%0.69%0.73%0.69%0.72%+12 bps
Net Interest Margin3.24%3.35%3.58%3.69%3.73%3.80%3.90%3.86%+18 bps
Asset Growth (YoY)-2.29%-1.99%-2.69%-1.70%-1.41%-1.06%-1.52%-0.25%+145 bps
Share Growth (YoY)-2.91%-2.74%-3.63%-2.35%-2.46%-2.27%-2.45%-1.07%+128 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital8.91%9.19%9.36%9.59%9.73%9.99%10.25%10.37%+79 bps
Loans / Shares48.98%47.61%46.47%45.53%45.02%47.09%49.46%48.64%+310 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

U. S. Employees

Tomball, TX · Charter 66372 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)

NCUA · 2 branches

Q2 2026

$86.4MAssets
$37.5MLoans
$77.0MShares
$9.0MNet Worth

Return on Assets

0.72%

Rank 26 of 63

Net Interest Margin

3.86%

Rank 35 of 63

Efficiency Ratio

80.99%

Rank 28 of 63

Equity / Assets

10.37%

Rank 47 of 63

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.72%0.11%0.53%1.19%Beats 59%26 / 63
Net Interest Margin3.86%3.19%4.06%4.80%Beats 44%35 / 63
Nonperforming Loans / Loans0.19%0.32%0.64%1.62%Beats 83%12 / 63
Tier 1 Capital Ratio10.37%10.13%12.81%19.70%Beats 25%47 / 63
Equity / Assets10.37%10.13%12.81%19.70%Beats 25%47 / 63
Loans / Assets43.36%48.43%59.68%73.12%17th pctl52 / 63