Houston, TX · Charter 66582
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 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.
Capital
89
Asset Quality
48
Profitability
77
Liquidity
66
Efficiency
83
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.
Houston, TX · Charter 66582
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 | 1.60% | 1.62% | 1.95% | 2.12% | 2.19% | 2.14% | 1.64% | 1.62% | -51 bps | |
| Return on Equity | 7.25% | 7.42% | 8.88% | 9.14% | 9.17% | 8.52% | 6.72% | 6.76% | -238 bps | |
| Net Interest Margin | 4.21% | 4.23% | 4.74% | 4.94% | 5.00% | 5.11% | 4.96% | 4.75% | -19 bps | |
| Efficiency Ratio | 62.57% | 62.67% | 61.44% | 58.00% | 56.78% | 58.65% | 67.41% | 68.85% | +1,085 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.17% | 1.39% | 3.44% | 0.41% | 0.93% | -5.18% | -2.34% | 4.95% | +454 bps | |
| Loan Growth (YoY) | 16.91% | 20.18% | 17.39% | 12.85% | 9.22% | -2.26% | -3.29% | 5.38% | -747 bps | |
| Share Growth (YoY) | -7.75% | -0.18% | 2.53% | -0.55% | -2.78% | -9.10% | -4.21% | 4.48% | +503 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.10% | 0.10% | 0.09% | 0.61% | 0.67% | 0.71% | 0.71% | +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 | 22.01% | 21.79% | 21.95% | 23.24% | 23.89% | 25.09% | 24.41% | 23.88% | +64 bps | |
| Net Worth / Assets | 22.01% | 21.79% | 21.95% | 23.24% | 23.89% | 25.09% | 24.41% | 23.88% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.73% | 74.04% | 71.39% | 79.07% | 79.46% | 79.61% | 72.07% | 79.75% | +68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 66582 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
1.62%
Rank 7 of 63
Net Interest Margin
4.74%
Rank 19 of 63
Efficiency Ratio
68.79%
Rank 12 of 63
Equity / Assets
23.88%
Rank 7 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.62% | 0.11% | 0.53% | 1.19% | Beats 89% | 7 / 63 | ||
| Return on Equity | 6.79% | 1.09% | 3.60% | 6.92% | Beats 73% | 17 / 62 | ||
| Net Interest Margin | 4.74% | 3.19% | 4.06% | 4.80% | Beats 70% | 19 / 63 | ||
| Efficiency Ratio | 68.79% | 72.55% | 82.57% | 90.97% | Beats 83% | 12 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.32% | 0.64% | 1.62% | Beats 48% | 34 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.88% | 10.13% | 12.81% | 19.70% | Beats 89% | 7 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.88% | 10.13% | 12.81% | 19.70% | Beats 89% | 7 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.74% | 55.42% | 71.20% | 87.46% | 59th pctl | 26 / 63 | ||
| Loans / Assets | 60.20% | 48.43% | 59.68% | 73.12% | 51st pctl | 31 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||