Pasadena, TX · Charter 67477
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
48
Asset Quality
52
Profitability
40
Liquidity
39
Efficiency
16
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.
Pasadena, TX · Charter 67477
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 | -0.22% | -0.49% | 0.24% | 0.24% | 0.42% | 0.41% | -0.90% | -0.70% | -94 bps | |
| Return on Equity | -1.75% | -3.86% | 2.03% | 1.89% | 3.14% | 3.12% | -7.23% | -5.53% | -742 bps | |
| Net Interest Margin | 5.23% | 5.42% | 4.92% | 5.26% | 5.55% | 5.59% | 5.16% | 5.50% | +24 bps | |
| Efficiency Ratio | 100.43% | 99.60% | 97.95% | 93.31% | 92.73% | 92.21% | 110.93% | 103.75% | +1,044 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.67% | -4.98% | 3.68% | -3.52% | -6.54% | -3.43% | -4.21% | -2.98% | +54 bps | |
| Loan Growth (YoY) | -2.72% | -2.95% | -1.50% | -0.94% | -1.76% | -4.85% | -3.04% | -2.44% | -150 bps | |
| Share Growth (YoY) | -1.27% | -7.24% | 3.16% | -4.54% | -7.14% | 2.29% | -4.61% | -3.18% | +137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 2.06% | 0.78% | 0.54% | 0.72% | 0.76% | 0.97% | 0.57% | +3 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.60% | 12.60% | 11.96% | 12.56% | 13.28% | 13.29% | 12.42% | 12.70% | +14 bps | |
| Net Worth / Assets | 12.60% | 12.60% | 11.96% | 12.56% | 13.28% | 13.29% | 12.42% | 12.70% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.93% | 92.74% | 80.78% | 85.70% | 86.67% | 86.26% | 82.12% | 86.36% | +65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pasadena, TX · Charter 67477 · 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
-0.70%
Rank 54 of 63
Net Interest Margin
5.50%
Rank 4 of 63
Efficiency Ratio
103.73%
Rank 54 of 63
Equity / Assets
12.70%
Rank 33 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.70% | 0.11% | 0.53% | 1.19% | Beats 14% | 54 / 63 | ||
| Return on Equity | -5.51% | 1.09% | 3.60% | 6.92% | Beats 13% | 54 / 62 | ||
| Net Interest Margin | 5.50% | 3.19% | 4.06% | 4.80% | Beats 94% | 4 / 63 | ||
| Efficiency Ratio | 103.73% | 72.55% | 82.57% | 90.97% | Beats 16% | 54 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.32% | 0.64% | 1.62% | Beats 52% | 31 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.70% | 10.13% | 12.81% | 19.70% | Beats 48% | 33 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.70% | 10.13% | 12.81% | 19.70% | Beats 48% | 33 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.35% | 55.42% | 71.20% | 87.46% | 71st pctl | 18 / 63 | ||
| Loans / Assets | 74.23% | 48.43% | 59.68% | 73.12% | 79th pctl | 13 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||