Dickinson, TX · Charter 67427
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
13
Asset Quality
11
Profitability
23
Liquidity
84
Efficiency
11
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.
Dickinson, TX · Charter 67427
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 | -0.08% | 0.07% | 0.02% | -0.74% | -2.81% | -273 bps | |
| Return on Equity | -0.83% | 0.72% | 0.23% | -7.15% | -30.33% | -2,950 bps | |
| Net Interest Margin | 4.77% | 4.71% | 4.77% | 4.51% | 4.67% | -11 bps | |
| Efficiency Ratio | 99.50% | 97.83% | 98.68% | 112.83% | 112.32% | +1,283 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.36% | -6.19% | -10.27% | -9.16% | -4.93% | +243 bps | |
| Loan Growth (YoY) | -16.80% | -15.33% | -13.61% | -20.15% | -12.83% | +397 bps | |
| Share Growth (YoY) | -8.21% | -8.40% | -11.33% | -9.72% | -4.85% | +336 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.90% | 3.88% | 3.69% | 3.71% | 3.07% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.17% | 0.15% | 0.20% | 1.52% | +133 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.09% | 10.27% | 10.48% | 10.35% | 9.27% | -81 bps | |
| Net Worth / Assets | 10.09% | 10.27% | 10.48% | 10.35% | 9.27% | -81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.07% | 81.03% | 79.47% | 70.62% | 75.19% | -688 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dickinson, TX · Charter 67427 · 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
-2.81%
Rank 61 of 63
Net Interest Margin
4.68%
Rank 22 of 63
Efficiency Ratio
111.83%
Rank 57 of 63
Equity / Assets
9.27%
Rank 55 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.81% | 0.11% | 0.53% | 1.19% | Beats 3% | 61 / 63 | |
| Return on Equity | -30.28% | 1.09% | 3.60% | 6.92% | Beats 2% | 61 / 62 | |
| Net Interest Margin | 4.68% | 3.19% | 4.06% | 4.80% | Beats 65% | 22 / 63 | |
| Efficiency Ratio | 111.83% | 72.55% | 82.57% | 90.97% | Beats 11% | 57 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.07% | 0.32% | 0.64% | 1.62% | Beats 11% | 57 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.27% | 10.13% | 12.81% | 19.70% | Beats 13% | 55 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.27% | 10.13% | 12.81% | 19.70% | Beats 13% | 55 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.19% | 55.42% | 71.20% | 87.46% | 54th pctl | 29 / 63 | |
| Loans / Assets | 67.64% | 48.43% | 59.68% | 73.12% | 67th pctl | 21 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||