Temple, TX · Charter 67573
NCUA · 2 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
3
Asset Quality
62
Profitability
38
Liquidity
83
Efficiency
18
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.
Temple, TX · Charter 67573
NCUA · 2 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 | 0.61% | 0.50% | 0.78% | 0.80% | 0.76% | 0.69% | 0.19% | 0.24% | -56 bps | |
| Return on Equity | 7.26% | 5.71% | 8.84% | 9.12% | 8.93% | 8.05% | 2.32% | 2.94% | -618 bps | |
| Net Interest Margin | 4.07% | 4.32% | 4.45% | 4.29% | 4.05% | 3.99% | 3.64% | 3.75% | -54 bps | |
| Efficiency Ratio | 88.02% | 90.70% | 85.07% | 84.16% | 84.16% | 86.36% | 95.47% | 94.61% | +1,044 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.94% | -3.07% | -2.71% | 0.51% | 5.10% | 10.30% | 12.67% | 5.72% | +521 bps | |
| Loan Growth (YoY) | -1.72% | 0.24% | 7.51% | 5.84% | 10.77% | 7.79% | 0.50% | -2.02% | -786 bps | |
| Share Growth (YoY) | -4.20% | -4.51% | -3.21% | 0.56% | 5.45% | 11.30% | 12.95% | 6.13% | +556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.15% | 0.10% | 0.24% | 0.18% | 0.18% | 0.13% | 0.42% | +17 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 | 8.44% | 8.80% | 8.87% | 8.75% | 8.46% | 8.51% | 8.34% | 8.10% | -65 bps | |
| Net Worth / Assets | 8.44% | 8.80% | 8.87% | 8.75% | 8.46% | 8.51% | 8.34% | 8.10% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.16% | 67.77% | 68.64% | 68.25% | 66.34% | 65.64% | 61.08% | 63.01% | -524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Temple, TX · Charter 67573 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.24%
Rank 164 of 235
Net Interest Margin
3.75%
Rank 132 of 235
Efficiency Ratio
94.52%
Rank 193 of 235
Equity / Assets
8.10%
Rank 229 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.24% | 0.17% | 0.57% | 1.10% | Beats 30% | 164 / 235 | ||
| Return on Equity | 2.99% | 1.03% | 4.30% | 7.58% | Beats 40% | 142 / 235 | ||
| Net Interest Margin | 3.75% | 3.32% | 3.89% | 4.35% | Beats 44% | 132 / 235 | ||
| Efficiency Ratio | 94.52% | 70.60% | 82.00% | 91.57% | Beats 18% | 193 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.20% | 0.59% | 1.14% | Beats 62% | 90 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.10% | 11.30% | 14.41% | 19.49% | Beats 3% | 229 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.10% | 11.30% | 14.41% | 19.49% | Beats 3% | 229 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.01% | 54.18% | 67.38% | 81.66% | 41st pctl | 138 / 235 | ||
| Loans / Assets | 57.69% | 43.80% | 56.63% | 68.64% | 51st pctl | 114 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||