Temple, TX · Charter 67612
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
72
Asset Quality
38
Profitability
79
Liquidity
87
Efficiency
97
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.
Temple, TX · Charter 67612
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 | 2.50% | 2.42% | 2.44% | 2.49% | 2.43% | 2.37% | 2.22% | 2.26% | -23 bps | |
| Return on Equity | 16.92% | 16.05% | 16.33% | 15.24% | 14.45% | 13.56% | 11.70% | 12.22% | -302 bps | |
| Net Interest Margin | 3.75% | 3.60% | 3.56% | 3.82% | 3.87% | 3.82% | 3.76% | 3.86% | +4 bps | |
| Efficiency Ratio | 50.58% | 50.55% | 52.24% | 50.62% | 49.77% | 51.19% | 52.92% | 50.50% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.68% | 4.17% | 8.47% | 1.07% | 2.28% | 0.86% | -1.08% | 1.98% | +91 bps | |
| Loan Growth (YoY) | 12.86% | 4.70% | 5.63% | 2.41% | 3.02% | 8.92% | 6.64% | 9.41% | +700 bps | |
| Share Growth (YoY) | -4.32% | 1.49% | 0.96% | -2.81% | -1.57% | -3.35% | 0.54% | -0.95% | +186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.50% | 0.38% | 0.49% | 0.92% | 0.35% | 0.30% | 0.75% | +27 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 | 14.76% | 15.09% | 14.97% | 16.36% | 16.85% | 17.46% | 18.94% | 18.49% | +214 bps | |
| Net Worth / Assets | 14.76% | 15.09% | 14.97% | 16.36% | 16.85% | 17.46% | 18.94% | 18.49% | +214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.58% | 59.65% | 61.29% | 63.75% | 63.41% | 67.23% | 65.00% | 70.42% | +667 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Temple, TX · Charter 67612 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
2.26%
Rank 12 of 235
Net Interest Margin
3.86%
Rank 120 of 235
Efficiency Ratio
50.51%
Rank 7 of 235
Equity / Assets
18.49%
Rank 65 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.26% | 0.17% | 0.57% | 1.10% | Beats 95% | 12 / 235 | ||
| Return on Equity | 12.22% | 1.03% | 4.30% | 7.58% | Beats 94% | 15 / 235 | ||
| Net Interest Margin | 3.86% | 3.32% | 3.89% | 4.35% | Beats 49% | 120 / 235 | ||
| Efficiency Ratio | 50.51% | 70.60% | 82.00% | 91.57% | Beats 97% | 7 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.20% | 0.59% | 1.14% | Beats 38% | 147 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.49% | 11.30% | 14.41% | 19.49% | Beats 72% | 65 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.49% | 11.30% | 14.41% | 19.49% | Beats 72% | 65 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.42% | 54.18% | 67.38% | 81.66% | 56th pctl | 103 / 235 | ||
| Loans / Assets | 56.63% | 43.80% | 56.63% | 68.64% | 50th pctl | 118 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||