Wharton, TX · Charter 67458
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
93
Asset Quality
77
Profitability
54
Liquidity
80
Efficiency
73
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.
Wharton, TX · Charter 67458
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 | 0.91% | 0.75% | 0.67% | 1.01% | 1.03% | 0.99% | 1.23% | 0.99% | -2 bps | |
| Return on Equity | 3.80% | 3.14% | 2.79% | 3.98% | 3.86% | 3.70% | 4.42% | 3.50% | -48 bps | |
| Net Interest Margin | 2.68% | 2.66% | 2.76% | 3.22% | 3.45% | 3.45% | 4.03% | 3.85% | +63 bps | |
| Efficiency Ratio | 65.19% | 69.00% | 74.30% | 68.05% | 69.55% | 69.82% | 67.00% | 71.65% | +360 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.36% | 0.15% | 2.15% | -3.56% | -9.14% | -8.57% | -11.96% | -8.76% | -520 bps | |
| Loan Growth (YoY) | 55.01% | 83.16% | 53.81% | 40.70% | 30.81% | 13.00% | 21.87% | 15.11% | -2,560 bps | |
| Share Growth (YoY) | -3.45% | -2.23% | 1.23% | -5.38% | -11.60% | -10.93% | -15.61% | -13.14% | -776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.25% | 0.05% | 0.06% | 0.12% | 0.10% | 0.26% | 0.18% | +12 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 | 0.39% | 0.37% | 0.30% | 0.40% | 0.34% | 0.37% | 0.33% | 0.28% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.86% | 23.89% | 23.97% | 25.38% | 26.72% | 26.72% | 27.90% | 28.35% | +297 bps | |
| Net Worth / Assets | 23.86% | 23.89% | 23.97% | 25.38% | 26.72% | 26.72% | 27.90% | 28.35% | +297 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.47% | 39.33% | 39.26% | 46.84% | 49.53% | 49.90% | 56.70% | 62.07% | +1,523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wharton, TX · Charter 67458 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.99%
Rank 67 of 235
Net Interest Margin
3.84%
Rank 123 of 235
Efficiency Ratio
72.03%
Rank 65 of 235
Equity / Assets
28.34%
Rank 17 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.17% | 0.57% | 1.10% | Beats 71% | 67 / 235 | ||
| Return on Equity | 3.51% | 1.03% | 4.30% | 7.58% | Beats 44% | 132 / 235 | ||
| Net Interest Margin | 3.84% | 3.32% | 3.89% | 4.35% | Beats 48% | 123 / 235 | ||
| Efficiency Ratio | 72.03% | 70.60% | 82.00% | 91.57% | Beats 73% | 65 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.20% | 0.59% | 1.14% | Beats 77% | 56 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 28.34% | 11.30% | 14.41% | 19.49% | Beats 93% | 17 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 28.34% | 11.30% | 14.41% | 19.49% | Beats 93% | 17 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.06% | 54.18% | 67.38% | 81.66% | 39th pctl | 144 / 235 | ||
| Loans / Assets | 43.80% | 43.80% | 56.63% | 68.64% | 25th pctl | 177 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||