Sugar Land, TX · Charter 67625
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
90
Asset Quality
54
Profitability
60
Liquidity
0
Efficiency
98
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.
Sugar Land, TX · Charter 67625
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 | 1.62% | 1.62% | 1.57% | 1.64% | 1.70% | 1.70% | 1.67% | 1.81% | +18 bps | |
| Return on Equity | 7.04% | 6.86% | 6.74% | 6.88% | 6.94% | 6.83% | 6.89% | 7.33% | +45 bps | |
| Net Interest Margin | 2.31% | 2.35% | 2.37% | 2.47% | 2.53% | 2.55% | 2.56% | 2.67% | +20 bps | |
| Efficiency Ratio | 43.24% | 44.02% | 46.33% | 44.89% | 44.10% | 44.13% | 44.11% | 41.07% | -383 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.23% | -2.56% | -1.32% | 0.54% | 1.27% | 1.93% | 2.71% | 3.31% | +276 bps | |
| Loan Growth (YoY) | 21.69% | 10.36% | 9.04% | 0.17% | -1.67% | -3.79% | -5.04% | 1.40% | +123 bps | |
| Share Growth (YoY) | -4.91% | -4.88% | -3.60% | -1.36% | -0.62% | -0.14% | 1.00% | 1.93% | +329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.64% | 0.34% | 0.27% | 0.40% | 0.76% | 0.48% | 0.57% | +30 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 | 23.07% | 23.65% | 23.25% | 23.75% | 24.44% | 24.90% | 24.30% | 24.73% | +98 bps | |
| Net Worth / Assets | 23.07% | 23.65% | 23.25% | 23.75% | 24.44% | 24.90% | 24.30% | 24.73% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.35% | 41.19% | 39.01% | 39.67% | 39.93% | 39.68% | 36.68% | 39.47% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sugar Land, TX · Charter 67625 · 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
1.81%
Rank 6 of 63
Net Interest Margin
2.67%
Rank 58 of 63
Efficiency Ratio
41.07%
Rank 2 of 63
Equity / Assets
24.73%
Rank 6 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.81% | 0.11% | 0.53% | 1.19% | Beats 90% | 6 / 63 | ||
| Return on Equity | 7.33% | 1.09% | 3.60% | 6.92% | Beats 81% | 12 / 62 | ||
| Net Interest Margin | 2.67% | 3.19% | 4.06% | 4.80% | Beats 8% | 58 / 63 | ||
| Efficiency Ratio | 41.07% | 72.55% | 82.57% | 90.97% | Beats 98% | 2 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.32% | 0.64% | 1.62% | Beats 54% | 30 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.73% | 10.13% | 12.81% | 19.70% | Beats 90% | 6 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.73% | 10.13% | 12.81% | 19.70% | Beats 90% | 6 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.47% | 55.42% | 71.20% | 87.46% | 5th pctl | 60 / 63 | ||
| Loans / Assets | 29.46% | 48.43% | 59.68% | 73.12% | 3rd pctl | 61 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||