Waco, TX · Charter 67469
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
89
Asset Quality
54
Profitability
62
Liquidity
68
Efficiency
50
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.
Waco, TX · Charter 67469
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 | 2.04% | 1.65% | 1.48% | 0.96% | 0.84% | -121 bps | |
| Return on Equity | 7.81% | 6.27% | 5.56% | 3.67% | 3.17% | -464 bps | |
| Net Interest Margin | 4.25% | 4.35% | 4.43% | 4.45% | 4.48% | +23 bps | |
| Efficiency Ratio | 78.97% | 79.94% | 79.39% | 79.60% | 82.31% | +334 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.41% | -2.29% | -0.08% | 4.54% | 2.52% | +893 bps | |
| Loan Growth (YoY) | 1.69% | 3.05% | 10.92% | 13.91% | 5.81% | +411 bps | |
| Share Growth (YoY) | -9.54% | -4.31% | -2.19% | 3.81% | 1.99% | +1,152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.23% | 0.18% | 0.00% | 0.51% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 0.14% | 0.18% | 0.18% | 0.19% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.14% | 26.30% | 26.68% | 26.15% | 26.36% | +21 bps | |
| Net Worth / Assets | 26.14% | 26.30% | 26.68% | 26.15% | 26.36% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.89% | 58.73% | 64.61% | 60.87% | 59.02% | +213 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waco, TX · Charter 67469 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.86%
Rank 85 of 235
Net Interest Margin
4.51%
Rank 46 of 235
Efficiency Ratio
82.00%
Rank 118 of 235
Equity / Assets
26.37%
Rank 25 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.17% | 0.57% | 1.10% | Beats 64% | 85 / 235 | |
| Return on Equity | 3.24% | 1.03% | 4.30% | 7.58% | Beats 42% | 136 / 235 | |
| Net Interest Margin | 4.51% | 3.32% | 3.89% | 4.35% | Beats 80% | 46 / 235 | |
| Efficiency Ratio | 82.00% | 70.60% | 82.00% | 91.57% | Beats 50% | 118 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.20% | 0.59% | 1.14% | Beats 54% | 108 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.37% | 11.30% | 14.41% | 19.49% | Beats 89% | 25 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.37% | 11.30% | 14.41% | 19.49% | Beats 89% | 25 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.03% | 54.18% | 67.38% | 81.66% | 32nd pctl | 160 / 235 | |
| Loans / Assets | 42.87% | 43.80% | 56.63% | 68.64% | 23rd pctl | 182 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||