Houston, TX · Charter 66818
NCUA · 18 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
3
Asset Quality
81
Profitability
58
Liquidity
0
Efficiency
46
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 66818
NCUA · 18 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 | 0.51% | 0.46% | 0.02% | 0.83% | 0.68% | 0.60% | 0.90% | 0.85% | +2 bps | |
| Return on Equity | 5.73% | 5.44% | 0.20% | 9.72% | 8.46% | 7.74% | 11.09% | 10.63% | +91 bps | |
| Net Interest Margin | 2.49% | 2.46% | 2.82% | 2.95% | 2.83% | 2.79% | 2.85% | 3.19% | +24 bps | |
| Efficiency Ratio | 78.84% | 78.00% | 86.74% | 77.03% | 75.79% | 74.50% | 74.27% | 72.58% | -445 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | 2.21% | 4.58% | 9.83% | 18.73% | 16.14% | 7.92% | 15.41% | +558 bps | |
| Loan Growth (YoY) | -2.55% | 0.36% | 7.47% | 15.06% | 22.32% | 7.15% | 5.88% | 17.23% | +218 bps | |
| Share Growth (YoY) | 2.54% | 3.26% | 1.65% | 2.16% | 3.16% | 3.98% | 3.01% | 0.82% | -134 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.63% | 0.53% | 0.60% | 0.58% | 0.48% | 0.40% | 0.39% | -21 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 | 8.98% | 8.48% | 7.92% | 8.55% | 8.05% | 7.81% | 8.09% | 7.98% | -57 bps | |
| Net Worth / Assets | 8.98% | 8.48% | 7.92% | 8.55% | 8.05% | 7.81% | 8.09% | 7.98% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.97% | 98.56% | 105.81% | 101.82% | 111.42% | 101.56% | 108.75% | 118.40% | +1,658 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 66818 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
Return on Assets
0.85%
Rank 202 of 435
Net Interest Margin
3.19%
Rank 277 of 435
Efficiency Ratio
72.58%
Rank 236 of 435
Equity / Assets
7.98%
Rank 423 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.55% | 0.81% | 1.14% | Beats 54% | 202 / 435 | ||
| Return on Equity | 10.63% | 5.12% | 7.41% | 9.70% | Beats 83% | 75 / 435 | ||
| Net Interest Margin | 3.19% | 3.01% | 3.39% | 3.75% | Beats 36% | 277 / 435 | ||
| Efficiency Ratio | 72.58% | 65.25% | 71.39% | 77.86% | Beats 46% | 236 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.45% | 0.69% | 1.05% | Beats 81% | 86 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.98% | 9.81% | 10.84% | 12.63% | Beats 3% | 423 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.98% | 9.81% | 10.84% | 12.63% | Beats 3% | 423 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 118.40% | 78.33% | 88.38% | 95.61% | 99th pctl | 4 / 435 | ||
| Loans / Assets | 78.02% | 67.69% | 74.58% | 80.80% | 62nd pctl | 167 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||