Corpus Christi, TX · Charter 67578
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
79
Asset Quality
100
Profitability
39
Liquidity
42
Efficiency
14
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.
Corpus Christi, TX · Charter 67578
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 | 0.40% | 0.33% | 0.19% | -0.19% | 0.94% | 0.48% | 0.31% | 0.14% | +34 bps | |
| Return on Equity | 1.84% | 1.53% | 0.94% | -0.95% | 4.45% | 2.26% | 1.47% | 0.69% | +164 bps | |
| Net Interest Margin | 4.66% | 4.65% | 4.36% | 4.43% | 4.55% | 4.53% | 4.26% | 4.24% | -19 bps | |
| Efficiency Ratio | 79.86% | 81.83% | 85.31% | 85.09% | 80.78% | 83.64% | 98.94% | 96.41% | +1,132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | 4.10% | 3.20% | 5.03% | 5.48% | 3.15% | 1.41% | 1.12% | -391 bps | |
| Loan Growth (YoY) | -11.77% | -5.78% | -8.20% | -0.31% | -1.45% | -9.77% | -12.51% | -15.32% | -1,501 bps | |
| Share Growth (YoY) | 4.67% | 4.96% | 3.92% | 6.70% | 5.99% | 3.37% | 1.16% | 0.69% | -600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.80% | 3.50% | 3.75% | 3.63% | 1.85% | 2.68% | 1.09% | 0.00% | -363 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 | 1.66% | 1.61% | 2.05% | 2.32% | 1.50% | 1.80% | 1.70% | 1.35% | -97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.50% | 21.34% | 20.64% | 20.40% | 21.12% | 21.17% | 20.86% | 20.81% | +41 bps | |
| Net Worth / Assets | 21.50% | 21.34% | 20.64% | 20.40% | 21.12% | 21.17% | 20.86% | 20.81% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.27% | 66.04% | 60.76% | 61.88% | 60.69% | 57.64% | 52.55% | 52.04% | -984 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corpus Christi, TX · Charter 67578 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.14%
Rank 183 of 235
Net Interest Margin
4.23%
Rank 66 of 235
Efficiency Ratio
97.01%
Rank 203 of 235
Equity / Assets
20.82%
Rank 49 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | 0.17% | 0.57% | 1.10% | Beats 22% | 183 / 235 | ||
| Return on Equity | 0.65% | 1.03% | 4.30% | 7.58% | Beats 22% | 183 / 235 | ||
| Net Interest Margin | 4.23% | 3.32% | 3.89% | 4.35% | Beats 72% | 66 / 235 | ||
| Efficiency Ratio | 97.01% | 70.60% | 82.00% | 91.57% | Beats 14% | 203 / 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 | 20.82% | 11.30% | 14.41% | 19.49% | Beats 79% | 49 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.82% | 11.30% | 14.41% | 19.49% | Beats 79% | 49 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.05% | 54.18% | 67.38% | 81.66% | 22nd pctl | 183 / 235 | ||
| Loans / Assets | 41.04% | 43.80% | 56.63% | 68.64% | 21st pctl | 186 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||