Midland, TX · Charter 67642
NCUA · 3 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 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
36
Asset Quality
35
Profitability
44
Liquidity
79
Efficiency
26
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.
Midland, TX · Charter 67642
NCUA · 3 branches
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 | 0.64% | 0.13% | -0.48% | -0.56% | 0.15% | 0.35% | 0.11% | 0.18% | +74 bps | |
| Return on Equity | 5.25% | 1.09% | -3.89% | -4.52% | 1.18% | 2.78% | 0.90% | 1.47% | +599 bps | |
| Net Interest Margin | 4.55% | 4.56% | 4.57% | 4.61% | 4.63% | 4.73% | 4.36% | 4.43% | -18 bps | |
| Efficiency Ratio | 81.68% | 83.07% | 89.35% | 90.27% | 90.11% | 85.93% | 94.19% | 91.54% | +126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | -2.21% | -0.60% | -1.33% | -0.70% | -0.15% | -0.08% | 1.78% | +311 bps | |
| Loan Growth (YoY) | 7.91% | 10.87% | 6.60% | 2.65% | 3.73% | 6.45% | 8.98% | 8.20% | +555 bps | |
| Share Growth (YoY) | -2.01% | -3.01% | -1.82% | -3.03% | -1.96% | -2.14% | -1.69% | 0.27% | +330 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 0.63% | 0.46% | 0.48% | 0.42% | 0.32% | 0.89% | 0.80% | +32 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 | 12.14% | 12.30% | 12.23% | 12.35% | 12.44% | 12.60% | 12.50% | 12.47% | +12 bps | |
| Net Worth / Assets | 12.14% | 12.30% | 12.23% | 12.35% | 12.44% | 12.60% | 12.50% | 12.47% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.07% | 65.89% | 64.51% | 67.00% | 68.85% | 71.67% | 71.50% | 72.30% | +530 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Midland, TX · Charter 67642 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
0.18%
Rank 175 of 235
Net Interest Margin
4.43%
Rank 54 of 235
Efficiency Ratio
91.55%
Rank 176 of 235
Equity / Assets
12.47%
Rank 151 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.17% | 0.57% | 1.10% | Beats 26% | 175 / 235 | ||
| Return on Equity | 1.47% | 1.03% | 4.30% | 7.58% | Beats 29% | 167 / 235 | ||
| Net Interest Margin | 4.43% | 3.32% | 3.89% | 4.35% | Beats 77% | 54 / 235 | ||
| Efficiency Ratio | 91.55% | 70.60% | 82.00% | 91.57% | Beats 26% | 176 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.20% | 0.59% | 1.14% | Beats 35% | 153 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.47% | 11.30% | 14.41% | 19.49% | Beats 36% | 151 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.47% | 11.30% | 14.41% | 19.49% | Beats 36% | 151 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.30% | 54.18% | 67.38% | 81.66% | 59th pctl | 96 / 235 | ||
| Loans / Assets | 63.80% | 43.80% | 56.63% | 68.64% | 67th pctl | 78 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||