Odessa, TX · Charter 67609
NCUA · 7 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
26
Asset Quality
71
Profitability
47
Liquidity
60
Efficiency
40
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 67609
NCUA · 7 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 | 0.37% | 0.43% | 0.54% | 0.62% | 1.16% | 1.04% | 0.50% | 0.59% | -2 bps | |
| Return on Equity | 3.41% | 3.87% | 5.32% | 6.06% | 10.86% | 9.49% | 4.41% | 5.19% | -87 bps | |
| Net Interest Margin | 3.58% | 3.65% | 3.33% | 3.38% | 3.37% | 3.43% | 3.42% | 3.44% | +6 bps | |
| Efficiency Ratio | 82.18% | 82.05% | 86.99% | 85.17% | 73.84% | 76.33% | 86.70% | 85.05% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | -1.51% | 8.24% | 11.25% | 12.36% | 12.33% | -1.46% | -2.32% | -1,357 bps | |
| Loan Growth (YoY) | -8.73% | -8.01% | -8.67% | -12.48% | -14.21% | -16.94% | -17.91% | -13.01% | -53 bps | |
| Share Growth (YoY) | -2.80% | -0.99% | 1.07% | 2.78% | 2.99% | 3.22% | 1.15% | -0.44% | -321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.66% | 0.45% | 0.70% | 0.51% | 0.80% | 0.30% | 0.29% | -40 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 | 10.89% | 11.13% | 10.18% | 10.18% | 10.70% | 10.95% | 11.39% | 11.46% | +128 bps | |
| Net Worth / Assets | 10.89% | 11.13% | 10.18% | 10.18% | 10.70% | 10.95% | 11.39% | 11.46% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.78% | 74.99% | 69.44% | 65.22% | 63.12% | 60.34% | 56.36% | 56.99% | -824 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 67609 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 7 branches
Q2 2026
Return on Assets
0.59%
Rank 115 of 235
Net Interest Margin
3.44%
Rank 163 of 235
Efficiency Ratio
85.04%
Rank 141 of 235
Equity / Assets
11.46%
Rank 174 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.17% | 0.57% | 1.10% | Beats 51% | 115 / 235 | ||
| Return on Equity | 5.19% | 1.03% | 4.30% | 7.58% | Beats 58% | 98 / 235 | ||
| Net Interest Margin | 3.44% | 3.32% | 3.89% | 4.35% | Beats 31% | 163 / 235 | ||
| Efficiency Ratio | 85.04% | 70.60% | 82.00% | 91.57% | Beats 40% | 141 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.20% | 0.59% | 1.14% | Beats 71% | 68 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.46% | 11.30% | 14.41% | 19.49% | Beats 26% | 174 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.46% | 11.30% | 14.41% | 19.49% | Beats 26% | 174 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.99% | 54.18% | 67.38% | 81.66% | 29th pctl | 166 / 235 | ||
| Loans / Assets | 46.24% | 43.80% | 56.63% | 68.64% | 29th pctl | 167 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||