Houston, TX · Charter 67486
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
70
Asset Quality
100
Profitability
22
Liquidity
0
Efficiency
19
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 67486
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 | 0.71% | 0.70% | 0.70% | 0.54% | 0.57% | 0.48% | 0.08% | 0.07% | -48 bps | |
| Return on Equity | 4.40% | 4.25% | 4.19% | 3.25% | 3.21% | 2.69% | 0.47% | 0.37% | -288 bps | |
| Net Interest Margin | 3.16% | 3.24% | 3.18% | 3.10% | 3.24% | 3.21% | 3.08% | 2.98% | -12 bps | |
| Efficiency Ratio | 78.90% | 79.50% | 77.67% | 82.59% | 82.70% | 85.33% | 93.29% | 95.87% | +1,328 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | 3.21% | -1.91% | -1.49% | -6.83% | -5.49% | -6.13% | -3.35% | -186 bps | |
| Loan Growth (YoY) | -23.74% | -21.47% | -20.30% | -22.71% | -22.80% | -25.18% | -21.14% | -22.04% | +67 bps | |
| Share Growth (YoY) | 2.00% | 2.89% | -3.16% | -2.59% | -8.69% | -7.11% | -7.67% | -4.27% | -168 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 2.26% | 2.11% | 2.19% | 2.01% | 3.65% | 2.05% | 0.00% | -219 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 | 16.11% | 16.50% | 16.60% | 16.71% | 17.89% | 17.94% | 18.00% | 17.51% | +80 bps | |
| Net Worth / Assets | 16.11% | 16.50% | 16.60% | 16.71% | 17.89% | 17.94% | 18.00% | 17.51% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.13% | 20.11% | 19.49% | 17.33% | 17.02% | 16.20% | 16.65% | 14.11% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 67486 · 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
0.06%
Rank 49 of 63
Net Interest Margin
2.98%
Rank 49 of 63
Efficiency Ratio
95.53%
Rank 52 of 63
Equity / Assets
17.51%
Rank 19 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.06% | 0.11% | 0.53% | 1.19% | Beats 22% | 49 / 63 | ||
| Return on Equity | 0.36% | 1.09% | 3.60% | 6.92% | Beats 21% | 49 / 62 | ||
| Net Interest Margin | 2.98% | 3.19% | 4.06% | 4.80% | Beats 22% | 49 / 63 | ||
| Efficiency Ratio | 95.53% | 72.55% | 82.57% | 90.97% | Beats 19% | 52 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.32% | 0.64% | 1.62% | Beats 100% | 8 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.51% | 10.13% | 12.81% | 19.70% | Beats 70% | 19 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.51% | 10.13% | 12.81% | 19.70% | Beats 70% | 19 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 14.11% | 55.42% | 71.20% | 87.46% | 0th pctl | 63 / 63 | ||
| Loans / Assets | 11.61% | 48.43% | 59.68% | 73.12% | 0th pctl | 63 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||