Houston, TX · Charter 67627
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
27
Asset Quality
35
Profitability
35
Liquidity
21
Efficiency
21
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 67627
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 | 0.79% | 1.92% | 1.07% | 0.85% | 0.77% | 1.26% | 0.73% | 0.39% | -47 bps | |
| Return on Equity | 8.75% | 19.69% | 10.49% | 8.10% | 7.22% | 11.51% | 6.58% | 3.53% | -457 bps | |
| Net Interest Margin | 3.48% | 3.20% | 3.23% | 3.27% | 3.26% | 3.08% | 2.86% | 2.74% | -53 bps | |
| Efficiency Ratio | 82.94% | 52.10% | 82.12% | 79.91% | 79.14% | 61.84% | 92.40% | 93.12% | +1,321 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.21% | -1.16% | 0.18% | 1.43% | 3.52% | 0.24% | 2.45% | 6.16% | +473 bps | |
| Loan Growth (YoY) | -17.48% | -18.54% | -17.22% | -16.69% | -11.58% | -6.12% | -2.82% | -3.74% | +1,295 bps | |
| Share Growth (YoY) | -8.10% | -5.07% | -4.42% | -2.90% | -0.72% | -2.69% | 1.18% | 4.19% | +709 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.41% | 0.34% | 0.20% | 0.21% | 0.27% | 0.34% | 1.14% | +94 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 | 9.00% | 9.74% | 10.22% | 10.51% | 10.69% | 10.96% | 11.14% | 10.92% | +40 bps | |
| Net Worth / Assets | 9.00% | 9.74% | 10.22% | 10.51% | 10.69% | 10.96% | 11.14% | 10.92% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.49% | 58.29% | 57.12% | 56.44% | 56.55% | 56.24% | 54.86% | 52.14% | -430 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 67627 · 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
0.38%
Rank 36 of 63
Net Interest Margin
2.74%
Rank 55 of 63
Efficiency Ratio
93.14%
Rank 51 of 63
Equity / Assets
10.92%
Rank 46 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.38% | 0.11% | 0.53% | 1.19% | Beats 43% | 36 / 63 | ||
| Return on Equity | 3.52% | 1.09% | 3.60% | 6.92% | Beats 48% | 32 / 62 | ||
| Net Interest Margin | 2.74% | 3.19% | 4.06% | 4.80% | Beats 13% | 55 / 63 | ||
| Efficiency Ratio | 93.14% | 72.55% | 82.57% | 90.97% | Beats 21% | 51 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.14% | 0.32% | 0.64% | 1.62% | Beats 35% | 42 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.92% | 10.13% | 12.81% | 19.70% | Beats 27% | 46 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.92% | 10.13% | 12.81% | 19.70% | Beats 27% | 46 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.14% | 55.42% | 71.20% | 87.46% | 22nd pctl | 49 / 63 | ||
| Loans / Assets | 45.22% | 48.43% | 59.68% | 73.12% | 21st pctl | 50 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||