Slaton, TX · Charter 67441
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
98
Asset Quality
16
Profitability
70
Liquidity
32
Efficiency
97
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.
Slaton, TX · Charter 67441
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 | 2.06% | 2.14% | 2.08% | 2.38% | 2.14% | +8 bps | |
| Return on Equity | 5.03% | 5.23% | 5.09% | 5.78% | 5.13% | +10 bps | |
| Net Interest Margin | 4.12% | 4.13% | 4.10% | 3.96% | 4.00% | -12 bps | |
| Efficiency Ratio | 49.27% | 49.15% | 49.83% | 48.47% | 50.93% | +165 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.61% | 2.64% | 3.44% | 3.83% | 3.01% | +140 bps | |
| Loan Growth (YoY) | -3.49% | -4.72% | -7.88% | -11.46% | -10.93% | -744 bps | |
| Share Growth (YoY) | -1.22% | 0.80% | 2.24% | 3.24% | 1.26% | +247 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.80% | 1.97% | 1.82% | 1.81% | 1.77% | -3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 40.91% | 40.86% | 40.84% | 41.20% | 41.73% | +82 bps | |
| Net Worth / Assets | 40.91% | 40.86% | 40.84% | 41.20% | 41.73% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.21% | 54.05% | 51.24% | 48.95% | 49.44% | -677 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Slaton, TX · Charter 67441 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
2.14%
Rank 13 of 235
Net Interest Margin
4.00%
Rank 96 of 235
Efficiency Ratio
50.90%
Rank 8 of 235
Equity / Assets
41.73%
Rank 4 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.14% | 0.17% | 0.57% | 1.10% | Beats 94% | 13 / 235 | |
| Return on Equity | 5.13% | 1.03% | 4.30% | 7.58% | Beats 57% | 100 / 235 | |
| Net Interest Margin | 4.00% | 3.32% | 3.89% | 4.35% | Beats 59% | 96 / 235 | |
| Efficiency Ratio | 50.90% | 70.60% | 82.00% | 91.57% | Beats 97% | 8 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.77% | 0.20% | 0.59% | 1.14% | Beats 16% | 199 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 41.73% | 11.30% | 14.41% | 19.49% | Beats 98% | 4 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 41.73% | 11.30% | 14.41% | 19.49% | Beats 98% | 4 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.44% | 54.18% | 67.38% | 81.66% | 18th pctl | 193 / 235 | |
| Loans / Assets | 28.37% | 43.80% | 56.63% | 68.64% | 7th pctl | 218 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||