Houston, TX · Charter 67465
NCUA · 10 branches
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
3
Asset Quality
57
Profitability
41
Liquidity
12
Efficiency
49
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.
Houston, TX · Charter 67465
NCUA · 10 branches
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 | 0.52% | 0.52% | 0.66% | 0.17% | 0.27% | -25 bps | |
| Return on Equity | 6.87% | 6.91% | 8.50% | 2.25% | 3.65% | -322 bps | |
| Net Interest Margin | 3.66% | 3.72% | 3.67% | 3.55% | 3.61% | -5 bps | |
| Efficiency Ratio | 76.21% | 73.68% | 73.85% | 85.75% | 83.44% | +723 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.97% | 3.96% | 4.27% | 3.78% | 3.61% | -536 bps | |
| Loan Growth (YoY) | 15.59% | 14.35% | 11.11% | 6.26% | 6.25% | -935 bps | |
| Share Growth (YoY) | 11.76% | 5.02% | 5.16% | 3.98% | 4.02% | -774 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.87% | 0.67% | 0.64% | 0.55% | -24 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 | 7.59% | 7.59% | 7.72% | 7.67% | 7.49% | -10 bps | |
| Net Worth / Assets | 7.59% | 7.59% | 7.72% | 7.67% | 7.49% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.20% | 94.07% | 91.86% | 89.91% | 93.15% | +195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 67465 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 10 branches
Q2 2026
Return on Assets
0.27%
Rank 40 of 63
Net Interest Margin
3.61%
Rank 43 of 63
Efficiency Ratio
83.45%
Rank 33 of 63
Equity / Assets
7.49%
Rank 61 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.11% | 0.53% | 1.19% | Beats 37% | 40 / 63 | |
| Return on Equity | 3.65% | 1.09% | 3.60% | 6.92% | Beats 53% | 29 / 62 | |
| Net Interest Margin | 3.61% | 3.19% | 4.06% | 4.80% | Beats 32% | 43 / 63 | |
| Efficiency Ratio | 83.45% | 72.55% | 82.57% | 90.97% | Beats 49% | 33 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.55% | 0.32% | 0.64% | 1.62% | Beats 57% | 28 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.49% | 10.13% | 12.81% | 19.70% | Beats 3% | 61 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.49% | 10.13% | 12.81% | 19.70% | Beats 3% | 61 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.15% | 55.42% | 71.20% | 87.46% | 83rd pctl | 11 / 63 | |
| Loans / Assets | 78.58% | 48.43% | 59.68% | 73.12% | 86th pctl | 9 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||