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Odessa Employees

Odessa, TX · Charter 67534

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in TX3

Basis

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.

Peer group

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.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Odessa Employees

Odessa, TX · Charter 67534

NCUA · 3 branches

Q2 2026

$21.0MAssets
$10.6MLoans
$17.5MShares
$3.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.65%, down 34 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.15%, up 1 bps from a year ago.
  • Funding: loans stand at 60.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+1 bps YoY

Efficiency Ratio (YTD, annualized)

87.58%+700 bps YoY

Net Worth / Assets

16.15%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.97%0.93%0.47%0.65%-34 bps
Return on Equity6.12%5.92%5.64%2.96%4.02%-210 bps
Net Interest Margin4.09%4.16%4.17%4.01%4.11%+1 bps
Efficiency Ratio80.58%80.17%80.65%93.67%87.58%+700 bps
Growth
Asset Growth (YoY)1.50%-0.08%2.74%3.72%4.46%+296 bps
Loan Growth (YoY)-6.47%1.58%10.46%12.15%14.45%+2,092 bps
Share Growth (YoY)-0.08%-1.20%1.96%2.91%6.34%+641 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.14%16.45%16.41%15.81%16.15%+1 bps
Net Worth / Assets16.14%16.45%16.41%15.81%16.15%+1 bps
Liquidity & Funding
Loans / Shares56.39%59.55%62.00%59.26%60.69%+430 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Odessa Employees

Odessa, TX · Charter 67534 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 3 branches

Q2 2026

$21.0MAssets
$10.6MLoans
$17.5MShares
$3.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in TX (rank 19 of 235).
  • Widest gap: efficiency ratio trails 67% of credit unions under $1B in assets in TX (rank 158 of 235).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.65%

Rank 110 of 235

Net Interest Margin

4.10%

Rank 82 of 235

Efficiency Ratio

87.78%

Rank 158 of 235

Equity / Assets

16.15%

Rank 90 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.65%0.17%0.57%1.10%Beats 53%110 / 235
Return on Equity4.02%1.03%4.30%7.58%Beats 47%125 / 235
Net Interest Margin4.10%3.32%3.89%4.35%Beats 65%82 / 235
Efficiency Ratio87.78%70.60%82.00%91.57%Beats 33%158 / 235
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.59%1.14%Beats 100%19 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.15%11.30%14.41%19.49%Beats 62%90 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.15%11.30%14.41%19.49%Beats 62%90 / 235
Liquidity & Funding
Loans / Deposits60.69%54.18%67.38%81.66%37th pctl149 / 235
Loans / Assets50.68%43.80%56.63%68.64%37th pctl147 / 235
Brokered Deposits / Depositsn/aNot reported for this institution