Corpus Christi, TX · Charter 67963
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
77
Asset Quality
100
Profitability
82
Liquidity
79
Efficiency
69
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.
Corpus Christi, TX · Charter 67963
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% | 1.90% | 1.50% | 1.16% | 1.53% | -27 bps | |
| Return on Equity | 8.89% | 9.38% | 7.45% | 5.68% | 7.57% | -133 bps | |
| Net Interest Margin | 5.15% | 5.00% | 4.99% | 4.89% | 4.74% | -41 bps | |
| Efficiency Ratio | 71.13% | 68.82% | 76.83% | 80.55% | 73.58% | +245 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.94% | 7.12% | 5.00% | 0.74% | 7.01% | +206 bps | |
| Loan Growth (YoY) | 2.08% | 2.56% | 0.50% | 0.93% | 0.69% | -139 bps | |
| Share Growth (YoY) | 3.64% | 5.13% | 3.77% | -0.38% | 6.50% | +286 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.00% | 0.05% | 0.00% | 0.00% | -11 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 | 20.32% | 20.28% | 20.17% | 20.45% | 20.25% | -7 bps | |
| Net Worth / Assets | 20.32% | 20.28% | 20.17% | 20.45% | 20.25% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.52% | 65.01% | 64.59% | 64.56% | 61.94% | -358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corpus Christi, TX · Charter 67963 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.53%
Rank 35 of 235
Net Interest Margin
4.74%
Rank 31 of 235
Efficiency Ratio
73.64%
Rank 73 of 235
Equity / Assets
20.25%
Rank 54 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 0.17% | 0.57% | 1.10% | Beats 85% | 35 / 235 | |
| Return on Equity | 7.55% | 1.03% | 4.30% | 7.58% | Beats 74% | 60 / 235 | |
| Net Interest Margin | 4.74% | 3.32% | 3.89% | 4.35% | Beats 87% | 31 / 235 | |
| Efficiency Ratio | 73.64% | 70.60% | 82.00% | 91.57% | Beats 69% | 73 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.25% | 11.30% | 14.41% | 19.49% | Beats 77% | 54 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.25% | 11.30% | 14.41% | 19.49% | Beats 77% | 54 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.94% | 54.18% | 67.38% | 81.66% | 38th pctl | 145 / 235 | |
| Loans / Assets | 50.88% | 43.80% | 56.63% | 68.64% | 38th pctl | 146 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||