Alvin, TX · Charter 67510
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 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
66
Asset Quality
12
Profitability
21
Liquidity
11
Efficiency
5
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.
Alvin, TX · Charter 67510
NCUA · 1 branch
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 | -5.65% | -4.79% | -3.78% | -2.38% | -2.89% | +276 bps | |
| Return on Equity | -33.05% | -26.80% | -20.53% | -13.37% | -16.99% | +1,606 bps | |
| Net Interest Margin | 4.24% | 4.52% | 4.56% | 4.04% | 4.05% | -19 bps | |
| Efficiency Ratio | 97.65% | 101.28% | 103.55% | 111.54% | 112.81% | +1,516 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.39% | -23.16% | -20.91% | -13.63% | -10.41% | +1,098 bps | |
| Loan Growth (YoY) | -18.82% | -18.44% | -17.40% | -16.54% | -15.69% | +313 bps | |
| Share Growth (YoY) | -21.52% | -24.07% | -22.23% | -14.41% | -10.71% | +1,081 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.98% | 2.61% | 2.64% | 3.15% | 2.10% | +11 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.09% | 17.86% | 18.39% | 17.79% | 16.99% | -9 bps | |
| Net Worth / Assets | 17.09% | 17.86% | 18.39% | 17.79% | 16.99% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.97% | 95.92% | 95.20% | 90.85% | 88.73% | -525 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alvin, TX · Charter 67510 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-2.89%
Rank 232 of 235
Net Interest Margin
4.05%
Rank 90 of 235
Efficiency Ratio
112.72%
Rank 225 of 235
Equity / Assets
16.99%
Rank 79 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.89% | 0.17% | 0.57% | 1.10% | Beats 1% | 232 / 235 | |
| Return on Equity | -16.99% | 1.03% | 4.30% | 7.58% | Beats 1% | 232 / 235 | |
| Net Interest Margin | 4.05% | 3.32% | 3.89% | 4.35% | Beats 62% | 90 / 235 | |
| Efficiency Ratio | 112.72% | 70.60% | 82.00% | 91.57% | Beats 5% | 225 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.10% | 0.20% | 0.59% | 1.14% | Beats 12% | 207 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.99% | 11.30% | 14.41% | 19.49% | Beats 66% | 79 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.99% | 11.30% | 14.41% | 19.49% | Beats 66% | 79 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.73% | 54.18% | 67.38% | 81.66% | 86th pctl | 33 / 235 | |
| Loans / Assets | 72.79% | 43.80% | 56.63% | 68.64% | 82nd pctl | 42 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||