Waco, TX · Charter 67519
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
70
Asset Quality
22
Profitability
39
Liquidity
90
Efficiency
27
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.
Waco, TX · Charter 67519
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 | 0.18% | 0.16% | 0.27% | -0.40% | 0.07% | -11 bps | |
| Return on Equity | 1.01% | 0.92% | 1.49% | -2.21% | 0.42% | -59 bps | |
| Net Interest Margin | 4.62% | 4.61% | 4.63% | 4.45% | 4.39% | -23 bps | |
| Efficiency Ratio | 89.26% | 88.15% | 87.84% | 93.51% | 90.73% | +147 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.48% | -1.77% | 2.10% | -0.02% | 2.01% | +649 bps | |
| Loan Growth (YoY) | -5.48% | -5.85% | -6.22% | -6.42% | -4.85% | +63 bps | |
| Share Growth (YoY) | -5.97% | -2.50% | 2.23% | -0.31% | 2.18% | +815 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.58% | 0.71% | 0.29% | 1.27% | +88 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 | 18.06% | 17.96% | 18.17% | 18.08% | 17.92% | -14 bps | |
| Net Worth / Assets | 18.06% | 17.96% | 18.17% | 18.08% | 17.92% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.40% | 67.81% | 66.61% | 66.12% | 64.63% | -477 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waco, TX · Charter 67519 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.08%
Rank 186 of 235
Net Interest Margin
4.39%
Rank 55 of 235
Efficiency Ratio
90.69%
Rank 172 of 235
Equity / Assets
17.92%
Rank 70 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.17% | 0.57% | 1.10% | Beats 21% | 186 / 235 | |
| Return on Equity | 0.43% | 1.03% | 4.30% | 7.58% | Beats 19% | 191 / 235 | |
| Net Interest Margin | 4.39% | 3.32% | 3.89% | 4.35% | Beats 77% | 55 / 235 | |
| Efficiency Ratio | 90.69% | 70.60% | 82.00% | 91.57% | Beats 27% | 172 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.27% | 0.20% | 0.59% | 1.14% | Beats 22% | 185 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.92% | 11.30% | 14.41% | 19.49% | Beats 70% | 70 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.92% | 11.30% | 14.41% | 19.49% | Beats 70% | 70 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.63% | 54.18% | 67.38% | 81.66% | 43rd pctl | 133 / 235 | |
| Loans / Assets | 52.93% | 43.80% | 56.63% | 68.64% | 42nd pctl | 136 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||