Bay City, TX · Charter 67545
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
68
Asset Quality
70
Profitability
68
Liquidity
60
Efficiency
87
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.
Bay City, TX · Charter 67545
NCUA · 1 branch
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 | 1.95% | 1.89% | 1.72% | 1.90% | 1.96% | 1.92% | 1.47% | 1.55% | -36 bps | |
| Return on Equity | 12.84% | 12.16% | 11.07% | 11.94% | 11.97% | 11.38% | 8.75% | 8.90% | -303 bps | |
| Net Interest Margin | 3.77% | 3.43% | 3.58% | 3.69% | 3.80% | 3.82% | 3.48% | 3.57% | -11 bps | |
| Efficiency Ratio | 55.27% | 56.69% | 61.75% | 56.93% | 56.46% | 57.48% | 64.79% | 64.08% | +715 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.42% | -0.54% | 2.25% | 3.81% | 4.84% | 4.27% | 3.82% | 1.97% | -183 bps | |
| Loan Growth (YoY) | 0.20% | 3.82% | 6.16% | 1.29% | 6.80% | 7.43% | 6.65% | 8.17% | +688 bps | |
| Share Growth (YoY) | -2.34% | -2.60% | 0.32% | 2.02% | 3.27% | 2.78% | 2.19% | 0.76% | -126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.47% | 0.02% | 0.02% | 0.05% | 0.14% | 0.06% | 0.31% | +29 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 | 15.16% | 15.55% | 15.49% | 15.95% | 16.34% | 16.83% | 16.74% | 17.39% | +144 bps | |
| Net Worth / Assets | 15.16% | 15.55% | 15.49% | 15.95% | 16.34% | 16.83% | 16.74% | 17.39% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.95% | 56.21% | 54.73% | 53.09% | 55.79% | 58.76% | 57.12% | 56.99% | +390 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bay City, TX · Charter 67545 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.55% | 0.17% | 0.57% | 1.10% | Beats 87% | 31 / 235 | ||
| Return on Equity | 8.92% | 1.03% | 4.30% | 7.58% | Beats 80% | 46 / 235 | ||
| Net Interest Margin | 3.58% | 3.32% | 3.89% | 4.35% | Beats 36% | 150 / 235 | ||
| Efficiency Ratio | 64.05% | 70.60% | 82.00% | 91.57% | Beats 87% | 32 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.20% | 0.59% | 1.14% | Beats 70% | 71 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.39% | 11.30% | 14.41% | 19.49% | Beats 68% | 75 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.39% | 11.30% | 14.41% | 19.49% | Beats 68% | 75 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.00% | 54.18% | 67.38% | 81.66% | 30th pctl | 165 / 235 | ||
| Loans / Assets | 47.03% | 43.80% | 56.63% | 68.64% | 30th pctl | 164 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||