Bryan, TX · Charter 67480
NCUA · 2 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 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
76
Asset Quality
9
Profitability
28
Liquidity
19
Efficiency
77
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.
Bryan, TX · Charter 67480
NCUA · 2 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 | 0.33% | 0.26% | 0.14% | -1.30% | -0.01% | -34 bps | |
| Return on Equity | 1.56% | 1.24% | 0.71% | -6.74% | -0.04% | -160 bps | |
| Net Interest Margin | 3.68% | 3.49% | 3.18% | 4.03% | 3.92% | +24 bps | |
| Efficiency Ratio | 91.34% | 92.89% | 95.79% | 74.78% | 69.63% | -2,170 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.06% | 3.39% | 4.83% | 10.27% | 9.27% | +933 bps | |
| Loan Growth (YoY) | -29.72% | -29.05% | -27.96% | -19.63% | -13.96% | +1,576 bps | |
| Share Growth (YoY) | -0.01% | 4.96% | 5.87% | 13.43% | 11.77% | +1,178 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.00% | 4.14% | 0.69% | 2.66% | 2.42% | -357 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.41% | 0.62% | 2.15% | 2.22% | +136 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.46% | 21.17% | 19.88% | 19.34% | 19.61% | -186 bps | |
| Net Worth / Assets | 21.46% | 21.17% | 19.88% | 19.34% | 19.61% | -186 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.77% | 58.61% | 50.37% | 48.11% | 46.01% | -1,376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bryan, TX · Charter 67480 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.00%
Rank 198 of 235
Net Interest Margin
3.93%
Rank 110 of 235
Efficiency Ratio
70.11%
Rank 55 of 235
Equity / Assets
19.61%
Rank 57 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.17% | 0.57% | 1.10% | Beats 15% | 198 / 235 | |
| Return on Equity | 0.00% | 1.03% | 4.30% | 7.58% | Beats 15% | 198 / 235 | |
| Net Interest Margin | 3.93% | 3.32% | 3.89% | 4.35% | Beats 53% | 110 / 235 | |
| Efficiency Ratio | 70.11% | 70.60% | 82.00% | 91.57% | Beats 77% | 55 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.41% | 0.20% | 0.59% | 1.14% | Beats 9% | 214 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.61% | 11.30% | 14.41% | 19.49% | Beats 76% | 57 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.61% | 11.30% | 14.41% | 19.49% | Beats 76% | 57 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.02% | 54.18% | 67.38% | 81.66% | 14th pctl | 202 / 235 | |
| Loans / Assets | 36.90% | 43.80% | 56.63% | 68.64% | 15th pctl | 199 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||