Odessa, TX · Charter 67592
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
10
Asset Quality
26
Profitability
38
Liquidity
73
Efficiency
16
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 67592
NCUA · 3 branches
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 | 0.28% | 0.24% | 0.27% | 0.10% | 0.11% | -17 bps | |
| Return on Equity | 2.89% | 2.41% | 2.72% | 1.03% | 1.17% | -172 bps | |
| Net Interest Margin | 4.35% | 4.40% | 4.42% | 4.10% | 4.13% | -22 bps | |
| Efficiency Ratio | 93.67% | 94.69% | 93.12% | 98.36% | 95.63% | +196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.30% | 5.57% | 4.29% | 7.84% | 6.91% | +161 bps | |
| Loan Growth (YoY) | 15.88% | 18.87% | 10.99% | 1.98% | -2.87% | -1,875 bps | |
| Share Growth (YoY) | 5.61% | 5.73% | 4.42% | 8.48% | 7.68% | +207 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.92% | 0.95% | 0.77% | 1.07% | +38 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 | 9.78% | 9.83% | 9.92% | 9.27% | 9.30% | -49 bps | |
| Net Worth / Assets | 9.78% | 9.83% | 9.92% | 9.27% | 9.30% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.79% | 67.57% | 66.71% | 60.58% | 60.25% | -654 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Odessa, TX · Charter 67592 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
0.11%
Rank 185 of 235
Net Interest Margin
4.13%
Rank 75 of 235
Efficiency Ratio
95.62%
Rank 199 of 235
Equity / Assets
9.29%
Rank 211 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.17% | 0.57% | 1.10% | Beats 21% | 185 / 235 | |
| Return on Equity | 1.16% | 1.03% | 4.30% | 7.58% | Beats 25% | 176 / 235 | |
| Net Interest Margin | 4.13% | 3.32% | 3.89% | 4.35% | Beats 68% | 75 / 235 | |
| Efficiency Ratio | 95.62% | 70.60% | 82.00% | 91.57% | Beats 16% | 199 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.07% | 0.20% | 0.59% | 1.14% | Beats 26% | 174 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.29% | 11.30% | 14.41% | 19.49% | Beats 10% | 211 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.29% | 11.30% | 14.41% | 19.49% | Beats 10% | 211 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.25% | 54.18% | 67.38% | 81.66% | 36th pctl | 151 / 235 | |
| Loans / Assets | 54.06% | 43.80% | 56.63% | 68.64% | 44th pctl | 132 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||