Odessa, TX · Charter 67534
NCUA · 3 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 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
62
Asset Quality
100
Profitability
55
Liquidity
75
Efficiency
33
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.
Odessa, TX · Charter 67534
NCUA · 3 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 | 1.08% | 1.05% | 1.03% | 0.99% | 0.97% | 0.93% | 0.47% | 0.65% | -34 bps | |
| Return on Equity | 6.96% | 6.61% | 6.59% | 6.12% | 5.92% | 5.64% | 2.96% | 4.02% | -210 bps | |
| Net Interest Margin | 3.83% | 3.95% | 4.04% | 4.09% | 4.16% | 4.17% | 4.01% | 4.11% | +1 bps | |
| Efficiency Ratio | 73.30% | 74.97% | 85.76% | 80.58% | 80.17% | 80.65% | 93.67% | 87.58% | +700 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.55% | -1.80% | 1.91% | 1.50% | -0.08% | 2.74% | 3.72% | 4.46% | +296 bps | |
| Loan Growth (YoY) | 1.59% | -3.99% | -9.90% | -6.47% | 1.58% | 10.46% | 12.15% | 14.45% | +2,092 bps | |
| Share Growth (YoY) | 2.50% | -2.77% | 1.93% | -0.08% | -1.20% | 1.96% | 2.91% | 6.34% | +641 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.47% | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 15.53% | 15.96% | 15.67% | 16.14% | 16.45% | 16.41% | 15.81% | 16.15% | +1 bps | |
| Net Worth / Assets | 15.53% | 15.96% | 15.67% | 16.14% | 16.45% | 16.41% | 15.81% | 16.15% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.92% | 57.23% | 54.38% | 56.39% | 59.55% | 62.00% | 59.26% | 60.69% | +430 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Odessa, TX · Charter 67534 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.17% | 0.57% | 1.10% | Beats 53% | 110 / 235 | ||
| Return on Equity | 4.02% | 1.03% | 4.30% | 7.58% | Beats 47% | 125 / 235 | ||
| Net Interest Margin | 4.10% | 3.32% | 3.89% | 4.35% | Beats 65% | 82 / 235 | ||
| Efficiency Ratio | 87.78% | 70.60% | 82.00% | 91.57% | Beats 33% | 158 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.15% | 11.30% | 14.41% | 19.49% | Beats 62% | 90 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.15% | 11.30% | 14.41% | 19.49% | Beats 62% | 90 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.69% | 54.18% | 67.38% | 81.66% | 37th pctl | 149 / 235 | ||
| Loans / Assets | 50.68% | 43.80% | 56.63% | 68.64% | 37th pctl | 147 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||