Houston, TX · Charter 67927
NCUA · 12 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 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
38
Asset Quality
33
Profitability
77
Liquidity
50
Efficiency
76
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 67927
NCUA · 12 branches
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 | 0.65% | 0.70% | 0.93% | 1.40% | 1.20% | +55 bps | |
| Return on Equity | 6.00% | 6.30% | 8.21% | 12.02% | 10.15% | +414 bps | |
| Net Interest Margin | 4.12% | 4.13% | 4.20% | 4.63% | 4.66% | +55 bps | |
| Efficiency Ratio | 77.78% | 77.16% | 70.90% | 68.56% | 72.55% | -523 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.91% | -5.11% | 2.57% | 0.45% | 0.65% | +656 bps | |
| Loan Growth (YoY) | 6.26% | 6.35% | 3.86% | 6.63% | 3.33% | -293 bps | |
| Share Growth (YoY) | -0.24% | 1.03% | 2.20% | 0.13% | 0.41% | +65 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.20% | 1.58% | 1.96% | 1.00% | 1.16% | -3 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 | 10.83% | 11.06% | 11.29% | 11.61% | 11.84% | +101 bps | |
| Net Worth / Assets | 10.83% | 11.06% | 11.29% | 11.61% | 11.84% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.29% | 81.36% | 81.52% | 83.32% | 83.65% | +236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 67927 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 12 branches
Q2 2026
Return on Assets
1.20%
Rank 14 of 63
Net Interest Margin
4.66%
Rank 23 of 63
Efficiency Ratio
72.55%
Rank 16 of 63
Equity / Assets
11.84%
Rank 39 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.11% | 0.53% | 1.19% | Beats 78% | 14 / 63 | |
| Return on Equity | 10.15% | 1.09% | 3.60% | 6.92% | Beats 89% | 7 / 62 | |
| Net Interest Margin | 4.66% | 3.19% | 4.06% | 4.80% | Beats 63% | 23 / 63 | |
| Efficiency Ratio | 72.55% | 72.55% | 82.57% | 90.97% | Beats 76% | 16 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.16% | 0.32% | 0.64% | 1.62% | Beats 33% | 43 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.84% | 10.13% | 12.81% | 19.70% | Beats 38% | 39 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.84% | 10.13% | 12.81% | 19.70% | Beats 38% | 39 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.66% | 55.42% | 71.20% | 87.46% | 67th pctl | 21 / 63 | |
| Loans / Assets | 72.58% | 48.43% | 59.68% | 73.12% | 73rd pctl | 17 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||