Oak Farms Employees 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
$4.2M Assets
$2.6M Loans
$3.1M Shares
$1.1M Net Worth
Executive Summary Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 2 of 63). Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 59 of 63). Overall: at or above the peer median on 3 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (62 to 63 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11