Corsicana, TX · Charter 67407
NCUA · 2 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 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.
Capital
99
Asset Quality
6
Profitability
40
Liquidity
0
Efficiency
79
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.
Corsicana, TX · Charter 67407
NCUA · 2 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 | 0.94% | 0.75% | -0.46% | 0.13% | 0.59% | 0.47% | -0.27% | -0.04% | -18 bps | |
| Return on Equity | 2.45% | 1.87% | -1.13% | 0.32% | 1.41% | 1.14% | -0.64% | -0.10% | -42 bps | |
| Net Interest Margin | 3.94% | 4.16% | 3.99% | 4.15% | 4.27% | 4.30% | 9.62% | 5.03% | +88 bps | |
| Efficiency Ratio | 78.23% | 77.67% | 80.86% | 81.60% | 75.17% | 77.06% | 71.85% | 70.21% | -1,139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.20% | -10.84% | -11.58% | -11.01% | -7.09% | -1.78% | -1.45% | -2.04% | +897 bps | |
| Loan Growth (YoY) | 3.47% | -4.56% | -5.52% | -6.80% | -1.86% | 5.00% | 12.14% | 4.73% | +1,154 bps | |
| Share Growth (YoY) | -13.63% | -17.85% | -18.95% | -18.04% | -11.71% | -3.79% | -3.17% | -4.20% | +1,384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.44% | 2.09% | 0.13% | 0.22% | 0.85% | 3.04% | 3.18% | +305 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 | 0.80% | 1.36% | 2.11% | 0.46% | 0.47% | 0.80% | 1.70% | 2.09% | +163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 38.43% | 40.16% | 41.14% | 41.47% | 41.71% | 41.35% | 42.15% | 42.73% | +126 bps | |
| Net Worth / Assets | 38.43% | 40.16% | 41.14% | 41.47% | 41.71% | 41.35% | 42.15% | 42.73% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.16% | 80.27% | 80.21% | 83.58% | 85.78% | 87.61% | 92.90% | 91.36% | +779 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corsicana, TX · Charter 67407 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.07%
Rank 204 of 235
Net Interest Margin
5.08%
Rank 16 of 235
Efficiency Ratio
69.44%
Rank 51 of 235
Equity / Assets
42.71%
Rank 3 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.07% | 0.17% | 0.57% | 1.10% | Beats 13% | 204 / 235 | ||
| Return on Equity | -0.17% | 1.03% | 4.30% | 7.58% | Beats 14% | 201 / 235 | ||
| Net Interest Margin | 5.08% | 3.32% | 3.89% | 4.35% | Beats 93% | 16 / 235 | ||
| Efficiency Ratio | 69.44% | 70.60% | 82.00% | 91.57% | Beats 79% | 51 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.17% | 0.20% | 0.59% | 1.14% | Beats 6% | 221 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 42.71% | 11.30% | 14.41% | 19.49% | Beats 99% | 3 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 42.71% | 11.30% | 14.41% | 19.49% | Beats 99% | 3 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.33% | 54.18% | 67.38% | 81.66% | 89th pctl | 25 / 235 | ||
| Loans / Assets | 51.94% | 43.80% | 56.63% | 68.64% | 40th pctl | 141 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||