Humble, TX · Charter 67493
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 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
65
Asset Quality
56
Profitability
46
Liquidity
35
Efficiency
25
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.
Humble, TX · Charter 67493
NCUA · 2 branches
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 | 0.17% | 0.15% | -0.41% | -0.47% | -0.50% | -0.09% | 0.24% | 0.30% | +78 bps | |
| Return on Equity | 1.01% | 0.82% | -2.41% | -2.67% | -2.88% | -0.52% | 1.46% | 1.84% | +451 bps | |
| Net Interest Margin | 4.67% | 4.97% | 4.60% | 4.88% | 4.84% | 4.80% | 4.51% | 4.69% | -20 bps | |
| Efficiency Ratio | 94.66% | 94.32% | 101.06% | 98.84% | 99.63% | 95.16% | 91.22% | 90.91% | -794 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.12% | -4.85% | -3.15% | -6.70% | -4.51% | 3.45% | 6.07% | 9.39% | +1,609 bps | |
| Loan Growth (YoY) | 6.13% | 3.86% | 1.31% | 6.58% | 8.37% | 8.39% | 6.26% | -1.31% | -789 bps | |
| Share Growth (YoY) | 2.00% | -4.01% | -3.27% | -7.22% | -5.20% | 4.30% | 8.03% | 12.02% | +1,924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 0.62% | 0.63% | 0.88% | 0.58% | 0.48% | 0.59% | 0.55% | -34 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 | 16.91% | 17.94% | 17.17% | 17.76% | 17.28% | 17.19% | 16.21% | 16.46% | -130 bps | |
| Net Worth / Assets | 16.91% | 17.94% | 17.17% | 17.76% | 17.28% | 17.19% | 16.21% | 16.46% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.52% | 93.24% | 88.07% | 99.27% | 98.91% | 96.90% | 86.62% | 87.46% | -1,181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Humble, TX · Charter 67493 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.30%
Rank 38 of 63
Net Interest Margin
4.68%
Rank 21 of 63
Efficiency Ratio
90.97%
Rank 48 of 63
Equity / Assets
16.46%
Rank 22 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.11% | 0.53% | 1.19% | Beats 40% | 38 / 63 | ||
| Return on Equity | 1.82% | 1.09% | 3.60% | 6.92% | Beats 31% | 43 / 62 | ||
| Net Interest Margin | 4.68% | 3.19% | 4.06% | 4.80% | Beats 67% | 21 / 63 | ||
| Efficiency Ratio | 90.97% | 72.55% | 82.57% | 90.97% | Beats 25% | 48 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.32% | 0.64% | 1.62% | Beats 56% | 29 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.46% | 10.13% | 12.81% | 19.70% | Beats 65% | 22 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.46% | 10.13% | 12.81% | 19.70% | Beats 65% | 22 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.46% | 55.42% | 71.20% | 87.46% | 75th pctl | 16 / 63 | ||
| Loans / Assets | 71.64% | 48.43% | 59.68% | 73.12% | 71st pctl | 18 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||