Brenham, TX · Charter 66857
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
46
Asset Quality
100
Profitability
43
Liquidity
63
Efficiency
44
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.
Brenham, TX · Charter 66857
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.73% | 0.59% | 0.40% | 0.53% | -22 bps | |
| Return on Equity | 6.07% | 5.59% | 4.70% | 3.20% | 4.22% | -185 bps | |
| Net Interest Margin | 3.46% | 3.67% | 3.44% | 3.17% | 3.19% | -27 bps | |
| Efficiency Ratio | 79.78% | 81.63% | 83.81% | 86.19% | 85.65% | +587 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.27% | -4.90% | -3.02% | 1.02% | 1.89% | +161 bps | |
| Loan Growth (YoY) | -22.82% | -16.27% | -15.14% | -9.74% | -5.52% | +1,731 bps | |
| Share Growth (YoY) | -1.03% | -6.60% | -4.41% | -0.26% | 1.77% | +280 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.33% | 13.12% | 12.61% | 12.45% | 12.58% | +25 bps | |
| Net Worth / Assets | 12.33% | 13.12% | 12.61% | 12.45% | 12.58% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.01% | 68.96% | 62.41% | 60.68% | 62.21% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brenham, TX · Charter 66857 · 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
0.53%
Rank 31 of 63
Net Interest Margin
3.19%
Rank 48 of 63
Efficiency Ratio
85.51%
Rank 36 of 63
Equity / Assets
12.58%
Rank 34 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.11% | 0.53% | 1.19% | Beats 51% | 31 / 63 | |
| Return on Equity | 4.24% | 1.09% | 3.60% | 6.92% | Beats 55% | 28 / 62 | |
| Net Interest Margin | 3.19% | 3.19% | 4.06% | 4.80% | Beats 24% | 48 / 63 | |
| Efficiency Ratio | 85.51% | 72.55% | 82.57% | 90.97% | Beats 44% | 36 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.32% | 0.64% | 1.62% | Beats 100% | 8 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.58% | 10.13% | 12.81% | 19.70% | Beats 46% | 34 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.58% | 10.13% | 12.81% | 19.70% | Beats 46% | 34 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.21% | 55.42% | 71.20% | 87.46% | 37th pctl | 40 / 63 | |
| Loans / Assets | 53.88% | 48.43% | 59.68% | 73.12% | 37th pctl | 40 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||