Houston, TX · Charter 67624
NCUA · 2 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 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
92
Asset Quality
8
Profitability
44
Liquidity
43
Efficiency
24
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.
Houston, TX · Charter 67624
NCUA · 2 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 | 1.00% | 0.50% | 0.22% | -0.47% | -0.47% | -147 bps | |
| Return on Equity | 3.86% | 1.74% | 0.78% | -1.71% | -1.76% | -563 bps | |
| Net Interest Margin | 5.80% | 6.37% | 6.11% | 5.74% | 5.89% | +10 bps | |
| Efficiency Ratio | 82.79% | 90.13% | 91.71% | 99.85% | 92.67% | +988 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.05% | -7.70% | -3.48% | -4.83% | -5.56% | -1,861 bps | |
| Loan Growth (YoY) | -4.30% | -10.33% | -10.83% | -15.09% | -8.29% | -399 bps | |
| Share Growth (YoY) | 18.70% | -10.88% | -4.94% | -5.39% | -6.61% | -2,531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.25% | 2.73% | 5.53% | 5.85% | 3.19% | +94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.82% | 0.96% | 1.29% | 1.71% | +117 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.87% | 28.86% | 27.61% | 27.29% | 26.84% | +97 bps | |
| Net Worth / Assets | 25.87% | 28.86% | 27.61% | 27.29% | 26.84% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.13% | 97.77% | 89.24% | 86.16% | 85.56% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 67624 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.47%
Rank 53 of 63
Net Interest Margin
5.91%
Rank 2 of 63
Efficiency Ratio
92.26%
Rank 49 of 63
Equity / Assets
26.84%
Rank 5 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.47% | 0.11% | 0.53% | 1.19% | Beats 16% | 53 / 63 | |
| Return on Equity | -1.76% | 1.09% | 3.60% | 6.92% | Beats 18% | 51 / 62 | |
| Net Interest Margin | 5.91% | 3.19% | 4.06% | 4.80% | Beats 97% | 2 / 63 | |
| Efficiency Ratio | 92.26% | 72.55% | 82.57% | 90.97% | Beats 24% | 49 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.18% | 0.32% | 0.64% | 1.62% | Beats 8% | 59 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.84% | 10.13% | 12.81% | 19.70% | Beats 92% | 5 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.84% | 10.13% | 12.81% | 19.70% | Beats 92% | 5 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.56% | 55.42% | 71.20% | 87.46% | 70th pctl | 19 / 63 | |
| Loans / Assets | 62.41% | 48.43% | 59.68% | 73.12% | 57th pctl | 27 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||