Angleton, TX · Charter 67622
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 the Houston-Pasadena-The Woodlands, TX area (n=62 to 63). 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
100
Profitability
13
Liquidity
58
Efficiency
6
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.
Angleton, TX · Charter 67622
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 | 0.86% | 0.72% | -0.68% | -0.50% | -0.53% | -0.72% | -1.61% | -1.41% | -91 bps | |
| Return on Equity | 7.30% | 6.09% | -6.77% | -5.25% | -5.60% | -7.84% | -18.22% | -16.68% | -1,144 bps | |
| Net Interest Margin | 5.47% | 5.38% | 3.55% | 3.32% | 3.31% | 3.24% | 3.35% | 3.33% | +1 bps | |
| Efficiency Ratio | 86.05% | 89.48% | 122.41% | 115.88% | 115.77% | 122.53% | 138.54% | 134.25% | +1,837 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.88% | -8.50% | 6.13% | 13.55% | 19.30% | 18.94% | 2.78% | -1.07% | -1,462 bps | |
| Loan Growth (YoY) | -0.57% | -14.87% | -24.85% | -19.88% | -17.05% | -13.06% | 4.52% | -1.78% | +1,810 bps | |
| Share Growth (YoY) | -10.91% | -10.06% | 6.34% | 15.35% | 22.37% | 22.52% | 4.26% | 0.10% | -1,525 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | 0.00% | 0 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 | 1.00% | 1.00% | 1.00% | 1.00% | 1.05% | 1.05% | 1.03% | 1.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.76% | 11.84% | 10.07% | 9.51% | 9.53% | 9.23% | 8.84% | 8.44% | -107 bps | |
| Net Worth / Assets | 11.76% | 11.84% | 10.07% | 9.51% | 9.53% | 9.23% | 8.84% | 8.44% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.14% | 81.68% | 64.85% | 62.24% | 61.78% | 57.96% | 65.01% | 61.07% | -117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Angleton, TX · Charter 67622 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.35%
Rank 59 of 63
Net Interest Margin
3.38%
Rank 45 of 63
Efficiency Ratio
131.25%
Rank 60 of 63
Equity / Assets
8.45%
Rank 57 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.35% | 0.11% | 0.53% | 1.19% | Beats 6% | 59 / 63 | ||
| Return on Equity | -16.00% | 1.09% | 3.60% | 6.92% | Beats 3% | 60 / 62 | ||
| Net Interest Margin | 3.38% | 3.19% | 4.06% | 4.80% | Beats 29% | 45 / 63 | ||
| Efficiency Ratio | 131.25% | 72.55% | 82.57% | 90.97% | Beats 6% | 60 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.32% | 0.64% | 1.62% | Beats 100% | 8 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.45% | 10.13% | 12.81% | 19.70% | Beats 10% | 57 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.45% | 10.13% | 12.81% | 19.70% | Beats 10% | 57 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.08% | 55.42% | 71.20% | 87.46% | 33rd pctl | 42 / 63 | ||
| Loans / Assets | 55.89% | 48.43% | 59.68% | 73.12% | 40th pctl | 38 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||