Teague, TX · Charter 68005
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
18
Asset Quality
83
Profitability
38
Liquidity
56
Efficiency
52
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.
Teague, TX · Charter 68005
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 | 1.07% | 1.20% | 1.12% | 1.13% | 1.20% | 1.17% | 0.25% | 0.54% | -59 bps | |
| Return on Equity | 10.35% | 11.55% | 10.71% | 11.17% | 11.66% | 11.40% | 2.47% | 5.21% | -597 bps | |
| Net Interest Margin | 2.99% | 2.96% | 3.14% | 3.04% | 3.06% | 2.98% | 2.75% | 2.88% | -16 bps | |
| Efficiency Ratio | 73.52% | 70.24% | 72.79% | 71.52% | 70.14% | 68.36% | 82.36% | 80.86% | +934 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.02% | 14.44% | 10.45% | 13.10% | 15.13% | 13.50% | 14.69% | 7.33% | -577 bps | |
| Loan Growth (YoY) | 4.99% | 8.28% | 10.02% | 4.52% | 7.75% | 4.49% | 6.47% | 5.56% | +104 bps | |
| Share Growth (YoY) | 14.53% | 14.82% | 10.20% | 13.52% | 14.73% | 12.27% | 13.48% | 5.61% | -791 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.05% | 0.06% | 0.03% | 0.09% | 0.06% | 0.11% | 0.10% | +7 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 | 10.37% | 10.37% | 10.43% | 10.13% | 10.28% | 10.31% | 10.04% | 10.32% | +19 bps | |
| Net Worth / Assets | 10.37% | 10.37% | 10.43% | 10.13% | 10.28% | 10.31% | 10.04% | 10.32% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.91% | 59.41% | 58.49% | 55.93% | 57.20% | 55.29% | 54.88% | 55.90% | -3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Teague, TX · Charter 68005 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
0.54%
Rank 123 of 235
Net Interest Margin
2.88%
Rank 216 of 235
Efficiency Ratio
80.86%
Rank 113 of 235
Equity / Assets
10.32%
Rank 192 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.54% | 0.17% | 0.57% | 1.10% | Beats 48% | 123 / 235 | ||
| Return on Equity | 5.21% | 1.03% | 4.30% | 7.58% | Beats 59% | 97 / 235 | ||
| Net Interest Margin | 2.88% | 3.32% | 3.89% | 4.35% | Beats 8% | 216 / 235 | ||
| Efficiency Ratio | 80.86% | 70.60% | 82.00% | 91.57% | Beats 52% | 113 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.20% | 0.59% | 1.14% | Beats 83% | 40 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.32% | 11.30% | 14.41% | 19.49% | Beats 18% | 192 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.32% | 11.30% | 14.41% | 19.49% | Beats 18% | 192 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.90% | 54.18% | 67.38% | 81.66% | 27th pctl | 171 / 235 | ||
| Loans / Assets | 48.98% | 43.80% | 56.63% | 68.64% | 34th pctl | 156 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||