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Temple-Inland

Diboll, TX · Charter 6726

NCUA · 1 branch

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 TX3

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 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.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

73

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

Temple-Inland

Diboll, TX · Charter 6726

NCUA · 1 branch

Q2 2026

$20.1MAssets
$7.5MLoans
$16.7MShares
$3.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.94%, down 14 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.68% of loans (+68 bps YoY).
  • Capital: net worth / assets of 18.28%, up 94 bps from a year ago.
  • Funding: loans stand at 44.70% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%-14 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+40 bps YoY

Efficiency Ratio (YTD, annualized)

71.70%+213 bps YoY

Net Worth / Assets

18.28%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.18%1.21%0.70%0.94%-14 bps
Return on Equity6.20%6.71%6.83%3.89%5.14%-106 bps
Net Interest Margin2.40%2.51%2.51%2.73%2.79%+40 bps
Efficiency Ratio69.56%68.06%67.61%77.17%71.70%+213 bps
Growth
Asset Growth (YoY)-2.37%-1.20%2.10%1.63%1.00%+337 bps
Loan Growth (YoY)-4.80%3.06%3.18%5.55%2.74%+754 bps
Share Growth (YoY)-3.58%-2.77%0.73%0.12%-0.30%+328 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.23%0.68%+68 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.34%17.58%17.69%17.90%18.28%+94 bps
Net Worth / Assets17.34%17.58%17.69%17.90%18.28%+94 bps
Liquidity & Funding
Loans / Shares43.38%45.62%44.15%45.07%44.70%+132 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 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

Temple-Inland

Diboll, TX · Charter 6726 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 1 branch

Q2 2026

$20.1MAssets
$7.5MLoans
$16.7MShares
$3.7MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 73% of credit unions under $1B in assets in TX (rank 64 of 235).
  • Widest gap: net interest margin trails 94% of credit unions under $1B in assets in TX (rank 221 of 235).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.94%

Rank 75 of 235

Net Interest Margin

2.79%

Rank 221 of 235

Efficiency Ratio

71.87%

Rank 64 of 235

Equity / Assets

18.28%

Rank 69 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.94%0.17%0.57%1.10%Beats 68%75 / 235
Return on Equity5.12%1.03%4.30%7.58%Beats 57%101 / 235
Net Interest Margin2.79%3.32%3.89%4.35%Beats 6%221 / 235
Efficiency Ratio71.87%70.60%82.00%91.57%Beats 73%64 / 235
Asset Quality
Nonperforming Loans / Loans0.68%0.20%0.59%1.14%Beats 42%137 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.28%11.30%14.41%19.49%Beats 71%69 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.28%11.30%14.41%19.49%Beats 71%69 / 235
Liquidity & Funding
Loans / Deposits44.70%54.18%67.38%81.66%13th pctl205 / 235
Loans / Assets37.25%43.80%56.63%68.64%17th pctl196 / 235
Brokered Deposits / Depositsn/aNot reported for this institution