Corsicana, TX · Charter 67425
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
60
Asset Quality
100
Profitability
13
Liquidity
38
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.
Corsicana, TX · Charter 67425
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 | 0.87% | 0.95% | 0.38% | 0.48% | 0.41% | 0.50% | -0.19% | -0.50% | -99 bps | |
| Return on Equity | 5.77% | 6.17% | 2.39% | 3.02% | 2.59% | 3.20% | -1.18% | -3.17% | -619 bps | |
| Net Interest Margin | 3.72% | 3.83% | 3.45% | 3.74% | 3.72% | 3.70% | 3.04% | 3.31% | -44 bps | |
| Efficiency Ratio | 83.26% | 80.66% | 95.10% | 90.85% | 91.80% | 88.77% | 108.23% | 101.10% | +1,025 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.13% | -3.99% | -5.16% | -5.40% | -1.61% | -0.22% | -1.24% | 0.35% | +575 bps | |
| Loan Growth (YoY) | 11.64% | 0.20% | -3.91% | -7.58% | -4.72% | -2.36% | -2.34% | 3.48% | +1,106 bps | |
| Share Growth (YoY) | -9.11% | -5.60% | -6.92% | -7.28% | -2.62% | -0.90% | -1.92% | 0.45% | +773 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | 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 | 15.02% | 15.33% | 15.67% | 16.03% | 15.78% | 15.78% | 16.16% | 15.91% | -12 bps | |
| Net Worth / Assets | 15.02% | 15.33% | 15.67% | 16.03% | 15.78% | 15.78% | 16.16% | 15.91% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.86% | 78.09% | 80.73% | 79.82% | 79.11% | 76.94% | 80.39% | 82.23% | +241 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 67425 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.51%
Rank 216 of 235
Net Interest Margin
3.30%
Rank 180 of 235
Efficiency Ratio
101.27%
Rank 214 of 235
Equity / Assets
15.91%
Rank 94 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.51% | 0.17% | 0.57% | 1.10% | Beats 8% | 216 / 235 | ||
| Return on Equity | -3.20% | 1.03% | 4.30% | 7.58% | Beats 8% | 216 / 235 | ||
| Net Interest Margin | 3.30% | 3.32% | 3.89% | 4.35% | Beats 23% | 180 / 235 | ||
| Efficiency Ratio | 101.27% | 70.60% | 82.00% | 91.57% | Beats 9% | 214 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.91% | 11.30% | 14.41% | 19.49% | Beats 60% | 94 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.91% | 11.30% | 14.41% | 19.49% | Beats 60% | 94 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.23% | 54.18% | 67.38% | 81.66% | 76th pctl | 57 / 235 | ||
| Loans / Assets | 69.04% | 43.80% | 56.63% | 68.64% | 76th pctl | 56 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||