Laredo, TX · Charter 67579
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
87
Asset Quality
9
Profitability
39
Liquidity
100
Efficiency
4
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.
Laredo, TX · Charter 67579
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -10.95% | -7.84% | -6.70% | -1.42% | -0.17% | +1,079 bps | |
| Return on Equity | -46.34% | -31.76% | -27.23% | -6.10% | -0.69% | +4,565 bps | |
| Net Interest Margin | 6.50% | 6.15% | 6.10% | 5.06% | 5.10% | -139 bps | |
| Efficiency Ratio | 102.38% | 106.86% | 105.62% | 117.97% | 116.81% | +1,443 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.14% | -11.51% | -13.75% | -7.10% | -4.18% | +596 bps | |
| Loan Growth (YoY) | -12.74% | -18.26% | -19.56% | -20.58% | -21.85% | -911 bps | |
| Share Growth (YoY) | -12.88% | -3.04% | -4.47% | -1.28% | 2.60% | +1,548 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.92% | 2.76% | 1.57% | 1.25% | 2.49% | -243 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.64% | 24.69% | 24.63% | 23.33% | 23.94% | +30 bps | |
| Net Worth / Assets | 23.64% | 24.69% | 24.63% | 23.33% | 23.94% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.47% | 79.47% | 75.61% | 69.89% | 67.38% | -2,108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Laredo, TX · Charter 67579 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.17%
Rank 208 of 235
Net Interest Margin
5.12%
Rank 15 of 235
Efficiency Ratio
116.48%
Rank 227 of 235
Equity / Assets
23.94%
Rank 31 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | 0.17% | 0.57% | 1.10% | Beats 11% | 208 / 235 | |
| Return on Equity | -0.69% | 1.03% | 4.30% | 7.58% | Beats 13% | 205 / 235 | |
| Net Interest Margin | 5.12% | 3.32% | 3.89% | 4.35% | Beats 94% | 15 / 235 | |
| Efficiency Ratio | 116.48% | 70.60% | 82.00% | 91.57% | Beats 4% | 227 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.48% | 0.20% | 0.59% | 1.14% | Beats 9% | 216 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 23.94% | 11.30% | 14.41% | 19.49% | Beats 87% | 31 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 23.94% | 11.30% | 14.41% | 19.49% | Beats 87% | 31 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.38% | 54.18% | 67.38% | 81.66% | 50th pctl | 118 / 235 | |
| Loans / Assets | 51.08% | 43.80% | 56.63% | 68.64% | 38th pctl | 145 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||