Houston, TX · Charter 67660
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
52
Asset Quality
22
Profitability
20
Liquidity
35
Efficiency
10
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 67660
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 | -0.12% | -0.26% | -0.49% | -0.70% | -0.82% | -71 bps | |
| Return on Equity | -0.86% | -1.93% | -3.76% | -5.26% | -6.23% | -537 bps | |
| Net Interest Margin | 3.64% | 3.64% | 3.64% | 3.58% | 3.63% | -1 bps | |
| Efficiency Ratio | 102.67% | 103.49% | 108.77% | 114.19% | 119.10% | +1,643 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.80% | 0.20% | -0.13% | -2.62% | -3.49% | +31 bps | |
| Loan Growth (YoY) | -10.90% | -12.17% | -6.65% | -10.75% | -9.13% | +177 bps | |
| Share Growth (YoY) | -3.37% | 1.27% | 1.98% | -2.74% | -2.26% | +111 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.68% | 3.16% | 2.17% | 3.18% | 1.87% | -181 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 | 13.67% | 13.46% | 13.09% | 13.29% | 13.24% | -43 bps | |
| Net Worth / Assets | 13.67% | 13.46% | 13.09% | 13.29% | 13.24% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.73% | 55.92% | 57.03% | 55.72% | 55.53% | -420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 67660 · 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
-0.82%
Rank 55 of 63
Net Interest Margin
3.62%
Rank 41 of 63
Efficiency Ratio
119.16%
Rank 58 of 63
Equity / Assets
13.24%
Rank 30 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.82% | 0.11% | 0.53% | 1.19% | Beats 13% | 55 / 63 | |
| Return on Equity | -6.22% | 1.09% | 3.60% | 6.92% | Beats 11% | 55 / 62 | |
| Net Interest Margin | 3.62% | 3.19% | 4.06% | 4.80% | Beats 35% | 41 / 63 | |
| Efficiency Ratio | 119.16% | 72.55% | 82.57% | 90.97% | Beats 10% | 58 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.86% | 0.32% | 0.64% | 1.62% | Beats 22% | 50 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.24% | 10.13% | 12.81% | 19.70% | Beats 52% | 30 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.24% | 10.13% | 12.81% | 19.70% | Beats 52% | 30 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.53% | 55.42% | 71.20% | 87.46% | 25th pctl | 47 / 63 | |
| Loans / Assets | 48.43% | 48.43% | 59.68% | 73.12% | 24th pctl | 48 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||