Odessa, TX · Charter 67550
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
24
Asset Quality
52
Profitability
50
Liquidity
66
Efficiency
41
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 67550
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 | 0.62% | 0.61% | 0.35% | 0.40% | 0.20% | 0.27% | 0.59% | 0.43% | +3 bps | |
| Return on Equity | 5.55% | 5.30% | 3.15% | 3.59% | 1.84% | 2.50% | 5.36% | 3.83% | +25 bps | |
| Net Interest Margin | 3.89% | 4.01% | 3.90% | 3.99% | 3.97% | 3.95% | 3.99% | 4.09% | +10 bps | |
| Efficiency Ratio | 84.19% | 84.36% | 89.47% | 87.50% | 86.37% | 86.39% | 84.32% | 84.84% | -266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.80% | 2.10% | 3.44% | 3.90% | 3.94% | 6.75% | 5.58% | 2.68% | -121 bps | |
| Loan Growth (YoY) | 0.73% | 1.07% | -0.78% | -0.86% | 0.02% | 6.09% | 7.49% | 6.41% | +727 bps | |
| Share Growth (YoY) | 5.08% | 3.05% | 3.89% | 3.66% | 3.78% | 7.21% | 6.01% | 2.85% | -81 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 1.42% | 0.62% | 1.68% | 0.82% | 0.70% | 0.88% | 0.57% | -111 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 | 11.18% | 11.44% | 11.20% | 11.22% | 11.03% | 10.98% | 10.93% | 11.21% | -1 bps | |
| Net Worth / Assets | 11.18% | 11.44% | 11.20% | 11.22% | 11.03% | 10.98% | 10.93% | 11.21% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.45% | 78.41% | 73.62% | 72.98% | 74.65% | 77.60% | 74.65% | 75.50% | +252 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 67550 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
0.43%
Rank 141 of 235
Net Interest Margin
4.09%
Rank 83 of 235
Efficiency Ratio
84.85%
Rank 139 of 235
Equity / Assets
11.21%
Rank 179 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.17% | 0.57% | 1.10% | Beats 40% | 141 / 235 | ||
| Return on Equity | 3.83% | 1.03% | 4.30% | 7.58% | Beats 46% | 127 / 235 | ||
| Net Interest Margin | 4.09% | 3.32% | 3.89% | 4.35% | Beats 65% | 83 / 235 | ||
| Efficiency Ratio | 84.85% | 70.60% | 82.00% | 91.57% | Beats 41% | 139 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.20% | 0.59% | 1.14% | Beats 52% | 114 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.21% | 11.30% | 14.41% | 19.49% | Beats 24% | 179 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.21% | 11.30% | 14.41% | 19.49% | Beats 24% | 179 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.50% | 54.18% | 67.38% | 81.66% | 66th pctl | 80 / 235 | ||
| Loans / Assets | 67.04% | 43.80% | 56.63% | 68.64% | 73rd pctl | 63 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||