Beaumont, TX · Charter 67417
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 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
86
Asset Quality
14
Profitability
36
Liquidity
20
Efficiency
9
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.
Beaumont, TX · Charter 67417
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 | -0.64% | -0.95% | -0.62% | -0.14% | -0.13% | 0.01% | -0.93% | -0.44% | -30 bps | |
| Return on Equity | -2.55% | -3.77% | -2.59% | -0.60% | -0.51% | 0.03% | -3.99% | -1.85% | -125 bps | |
| Net Interest Margin | 5.01% | 5.21% | 4.67% | 4.49% | 4.72% | 4.65% | 4.51% | 4.73% | +24 bps | |
| Efficiency Ratio | 90.71% | 89.29% | 91.35% | 92.77% | 96.23% | 96.73% | 110.31% | 102.64% | +987 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | -1.76% | -1.52% | 6.90% | -1.74% | 3.35% | 1.45% | -1.71% | -862 bps | |
| Loan Growth (YoY) | -5.78% | -11.78% | -17.34% | -16.30% | -11.11% | -8.62% | -2.98% | 1.06% | +1,736 bps | |
| Share Growth (YoY) | 10.64% | -1.23% | 4.60% | 11.08% | -1.63% | 4.54% | 2.00% | -2.06% | -1,314 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.90% | 2.72% | 1.51% | 1.48% | 1.87% | 1.44% | 1.33% | 2.02% | +54 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 | 25.09% | 25.27% | 24.04% | 23.56% | 24.81% | 24.29% | 23.46% | 23.66% | +10 bps | |
| Net Worth / Assets | 25.09% | 25.27% | 24.04% | 23.56% | 24.81% | 24.29% | 23.46% | 23.66% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.04% | 96.47% | 87.11% | 83.93% | 89.48% | 84.32% | 82.86% | 86.60% | +268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beaumont, TX · Charter 67417 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.42%
Rank 212 of 235
Net Interest Margin
4.74%
Rank 29 of 235
Efficiency Ratio
102.06%
Rank 216 of 235
Equity / Assets
23.66%
Rank 33 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.42% | 0.17% | 0.57% | 1.10% | Beats 10% | 212 / 235 | ||
| Return on Equity | -1.76% | 1.03% | 4.30% | 7.58% | Beats 10% | 212 / 235 | ||
| Net Interest Margin | 4.74% | 3.32% | 3.89% | 4.35% | Beats 88% | 29 / 235 | ||
| Efficiency Ratio | 102.06% | 70.60% | 82.00% | 91.57% | Beats 9% | 216 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.02% | 0.20% | 0.59% | 1.14% | Beats 14% | 204 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.66% | 11.30% | 14.41% | 19.49% | Beats 86% | 33 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.66% | 11.30% | 14.41% | 19.49% | Beats 86% | 33 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.62% | 54.18% | 67.38% | 81.66% | 82nd pctl | 43 / 235 | ||
| Loans / Assets | 65.96% | 43.80% | 56.63% | 68.64% | 72nd pctl | 66 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||