Palestine, TX · Charter 67634
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 TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
50
Profitability
64
Liquidity
0
Efficiency
94
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.
Palestine, TX · Charter 67634
NCUA · 1 branch
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 | 1.81% | 1.89% | 1.86% | 1.59% | 1.55% | -26 bps | |
| Return on Equity | 6.15% | 6.25% | 6.08% | 5.21% | 4.95% | -121 bps | |
| Net Interest Margin | 4.06% | 4.16% | 4.13% | 3.89% | 3.89% | -17 bps | |
| Efficiency Ratio | 53.82% | 54.35% | 54.94% | 57.69% | 58.53% | +471 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.12% | 0.81% | 2.65% | 3.39% | -0.95% | -407 bps | |
| Loan Growth (YoY) | -5.03% | -6.31% | -6.07% | -9.90% | -13.21% | -818 bps | |
| Share Growth (YoY) | 1.70% | -1.31% | 0.90% | 2.16% | -3.76% | -546 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 0.40% | 0.69% | 0.72% | 0.59% | -66 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.36% | 30.17% | 30.53% | 30.44% | 31.33% | +197 bps | |
| Net Worth / Assets | 29.36% | 30.17% | 30.53% | 30.44% | 31.33% | +197 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.28% | 28.79% | 28.70% | 26.55% | 26.40% | -288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Palestine, TX · Charter 67634 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.55%
Rank 30 of 235
Net Interest Margin
3.90%
Rank 117 of 235
Efficiency Ratio
58.53%
Rank 15 of 235
Equity / Assets
31.33%
Rank 14 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.55% | 0.17% | 0.57% | 1.10% | Beats 87% | 30 / 235 | |
| Return on Equity | 4.95% | 1.03% | 4.30% | 7.58% | Beats 56% | 104 / 235 | |
| Net Interest Margin | 3.90% | 3.32% | 3.89% | 4.35% | Beats 50% | 117 / 235 | |
| Efficiency Ratio | 58.53% | 70.60% | 82.00% | 91.57% | Beats 94% | 15 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.20% | 0.59% | 1.14% | Beats 50% | 119 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 31.33% | 11.30% | 14.41% | 19.49% | Beats 94% | 14 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 31.33% | 11.30% | 14.41% | 19.49% | Beats 94% | 14 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 26.40% | 54.18% | 67.38% | 81.66% | 2nd pctl | 230 / 235 | |
| Loans / Assets | 18.07% | 43.80% | 56.63% | 68.64% | 1st pctl | 233 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||