Waco, TX · Charter 67611
NCUA · 8 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
77
Asset Quality
77
Profitability
67
Liquidity
0
Efficiency
100
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.
Waco, TX · Charter 67611
NCUA · 8 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 | 1.79% | 1.81% | 1.77% | 1.85% | 1.95% | 2.00% | 2.21% | 2.30% | +45 bps | |
| Return on Equity | 9.53% | 9.47% | 9.40% | 9.70% | 10.02% | 10.16% | 11.12% | 11.32% | +162 bps | |
| Net Interest Margin | 2.83% | 2.82% | 2.78% | 2.85% | 2.92% | 2.93% | 3.15% | 3.18% | +34 bps | |
| Efficiency Ratio | 43.83% | 42.78% | 44.59% | 41.80% | 40.09% | 38.59% | 36.90% | 34.74% | -707 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.80% | 0.32% | 3.30% | 4.83% | 6.76% | 7.98% | 5.92% | 5.16% | +33 bps | |
| Loan Growth (YoY) | -6.59% | -8.22% | -7.66% | -6.81% | -5.93% | -3.35% | -4.90% | -7.91% | -110 bps | |
| Share Growth (YoY) | -3.12% | -1.81% | 1.82% | 3.64% | 5.83% | 7.22% | 4.57% | 3.47% | -17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.14% | 0.17% | 0.13% | 0.12% | 0.17% | 0.17% | 0.17% | +4 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 | 18.75% | 19.11% | 18.86% | 19.04% | 19.48% | 19.70% | 19.90% | 20.32% | +129 bps | |
| Net Worth / Assets | 18.75% | 19.11% | 18.86% | 19.04% | 19.48% | 19.70% | 19.90% | 20.32% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.43% | 34.29% | 32.57% | 31.92% | 31.49% | 30.91% | 29.62% | 28.41% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waco, TX · Charter 67611 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 8 branches
Q2 2026
Return on Assets
2.30%
Rank 11 of 235
Net Interest Margin
3.18%
Rank 197 of 235
Efficiency Ratio
34.74%
Rank 1 of 235
Equity / Assets
20.32%
Rank 53 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.30% | 0.17% | 0.57% | 1.10% | Beats 95% | 11 / 235 | ||
| Return on Equity | 11.32% | 1.03% | 4.30% | 7.58% | Beats 90% | 24 / 235 | ||
| Net Interest Margin | 3.18% | 3.32% | 3.89% | 4.35% | Beats 16% | 197 / 235 | ||
| Efficiency Ratio | 34.74% | 70.60% | 82.00% | 91.57% | Beats 100% | 1 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.20% | 0.59% | 1.14% | Beats 77% | 55 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.32% | 11.30% | 14.41% | 19.49% | Beats 77% | 53 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.32% | 11.30% | 14.41% | 19.49% | Beats 77% | 53 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 28.41% | 54.18% | 67.38% | 81.66% | 4th pctl | 226 / 235 | ||
| Loans / Assets | 22.59% | 43.80% | 56.63% | 68.64% | 3rd pctl | 228 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||