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Matagorda County

Bay City, TX · Charter 67545

NCUA · 1 branch

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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

87

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

Matagorda County

Bay City, TX · Charter 67545

NCUA · 1 branch

Q2 2026

$36.2MAssets
$17.0MLoans
$29.9MShares
$6.3MNet Worth

Return on Assets (YTD, annualized)

1.55%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-11 bps YoY

Efficiency Ratio (YTD, annualized)

64.08%+715 bps YoY

Net Worth / Assets

17.39%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets1.95%1.89%1.72%1.90%1.96%1.92%1.47%1.55%-36 bps
Net Interest Margin3.77%3.43%3.58%3.69%3.80%3.82%3.48%3.57%-11 bps
Asset Growth (YoY)-0.42%-0.54%2.25%3.81%4.84%4.27%3.82%1.97%-183 bps
Share Growth (YoY)-2.34%-2.60%0.32%2.02%3.27%2.78%2.19%0.76%-126 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital15.16%15.55%15.49%15.95%16.34%16.83%16.74%17.39%+144 bps
Loans / Shares53.95%56.21%54.73%53.09%55.79%58.76%57.12%56.99%+390 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

Matagorda County

Bay City, TX · Charter 67545 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 1 branch

Q2 2026

$36.2MAssets
$17.0MLoans
$29.9MShares
$6.3MNet Worth

Return on Assets

1.55%

Rank 31 of 235

Net Interest Margin

3.58%

Rank 150 of 235

Efficiency Ratio

64.05%

Rank 32 of 235

Equity / Assets

17.39%

Rank 75 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.55%0.17%0.57%1.10%Beats 87%31 / 235
Net Interest Margin3.58%3.32%3.89%4.35%Beats 36%150 / 235
Nonperforming Loans / Loans0.31%0.20%0.59%1.14%Beats 70%71 / 235
Tier 1 Capital Ratio17.39%11.30%14.41%19.49%Beats 68%75 / 235
Equity / Assets17.39%11.30%14.41%19.49%Beats 68%75 / 235
Loans / Assets47.03%43.80%56.63%68.64%30th pctl164 / 235