Houston, TX · Charter 67508
NCUA · 8 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
6
Asset Quality
44
Profitability
36
Liquidity
0
Efficiency
51
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 67508
NCUA · 8 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 | 0.06% | 0.19% | 0.25% | 0.26% | 0.24% | 0.25% | 0.17% | 0.15% | -11 bps | |
| Return on Equity | 0.74% | 2.50% | 3.26% | 3.16% | 2.89% | 3.03% | 2.00% | 1.90% | -126 bps | |
| Net Interest Margin | 3.20% | 3.25% | 3.48% | 3.64% | 3.77% | 3.82% | 3.98% | 4.03% | +40 bps | |
| Efficiency Ratio | 82.17% | 80.54% | 78.24% | 80.86% | 81.74% | 80.49% | 82.91% | 82.57% | +171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | 1.56% | 5.22% | -0.22% | -6.79% | -5.37% | -6.06% | -3.12% | -290 bps | |
| Loan Growth (YoY) | 1.05% | -0.66% | 0.75% | -0.58% | -2.02% | -0.03% | 2.33% | 4.79% | +537 bps | |
| Share Growth (YoY) | -1.53% | -0.64% | -2.74% | -4.25% | -6.68% | -5.22% | -1.86% | 4.28% | +854 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.86% | 0.42% | 1.06% | 0.94% | 0.98% | 0.67% | 0.77% | -29 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 | 7.63% | 7.77% | 7.75% | 8.13% | 8.36% | 8.30% | 8.31% | 7.83% | -30 bps | |
| Net Worth / Assets | 7.63% | 7.77% | 7.75% | 8.13% | 8.36% | 8.30% | 8.31% | 7.83% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.76% | 94.13% | 91.15% | 96.28% | 99.49% | 99.29% | 95.05% | 96.75% | +47 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.91% | 0.00% | 0 bps | |
Houston, TX · Charter 67508 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 8 branches
Q2 2026
Return on Assets
0.15%
Rank 46 of 63
Net Interest Margin
4.03%
Rank 34 of 63
Efficiency Ratio
82.57%
Rank 32 of 63
Equity / Assets
7.83%
Rank 59 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.15% | 0.11% | 0.53% | 1.19% | Beats 27% | 46 / 63 | ||
| Return on Equity | 1.90% | 1.09% | 3.60% | 6.92% | Beats 34% | 41 / 62 | ||
| Net Interest Margin | 4.03% | 3.19% | 4.06% | 4.80% | Beats 46% | 34 / 63 | ||
| Efficiency Ratio | 82.57% | 72.55% | 82.57% | 90.97% | Beats 51% | 32 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.77% | 0.32% | 0.64% | 1.62% | Beats 44% | 36 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.83% | 10.13% | 12.81% | 19.70% | Beats 6% | 59 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.83% | 10.13% | 12.81% | 19.70% | Beats 6% | 59 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.75% | 55.42% | 71.20% | 87.46% | 89th pctl | 7 / 63 | ||
| Loans / Assets | 78.47% | 48.43% | 59.68% | 73.12% | 84th pctl | 10 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||