Baytown, TX · Charter 68021
NCUA · 9 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
29
Asset Quality
65
Profitability
76
Liquidity
29
Efficiency
75
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.
Baytown, TX · Charter 68021
NCUA · 9 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 | 0.55% | 0.76% | 1.12% | 1.41% | 1.16% | 1.13% | 1.20% | 1.44% | +3 bps | |
| Return on Equity | 5.89% | 7.98% | 11.51% | 13.75% | 11.25% | 11.17% | 11.37% | 13.07% | -68 bps | |
| Net Interest Margin | 3.30% | 3.37% | 3.79% | 3.96% | 3.94% | 3.82% | 3.94% | 4.06% | +11 bps | |
| Efficiency Ratio | 80.30% | 77.72% | 74.81% | 70.99% | 73.33% | 73.96% | 75.89% | 74.13% | +314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 5.43% | 1.89% | 0.80% | 2.67% | 5.80% | 3.21% | 4.07% | +327 bps | |
| Loan Growth (YoY) | 2.95% | 6.28% | 8.43% | 9.33% | 7.88% | 4.15% | 2.16% | 1.79% | -754 bps | |
| Share Growth (YoY) | 6.43% | 4.27% | 6.89% | 6.33% | 5.50% | 6.57% | 1.21% | 3.72% | -261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.57% | 0.30% | 0.37% | 0.59% | 0.52% | 0.60% | 0.47% | +9 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 | 9.33% | 9.56% | 9.71% | 10.25% | 10.28% | 10.14% | 10.56% | 11.02% | +77 bps | |
| Net Worth / Assets | 9.33% | 9.56% | 9.71% | 10.25% | 10.28% | 10.14% | 10.56% | 11.02% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.34% | 93.61% | 88.43% | 90.56% | 92.38% | 91.49% | 89.26% | 88.87% | -169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baytown, TX · Charter 68021 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 9 branches
Q2 2026
Return on Assets
1.44%
Rank 10 of 63
Net Interest Margin
4.06%
Rank 32 of 63
Efficiency Ratio
74.13%
Rank 17 of 63
Equity / Assets
11.02%
Rank 45 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.11% | 0.53% | 1.19% | Beats 84% | 10 / 63 | ||
| Return on Equity | 13.07% | 1.09% | 3.60% | 6.92% | Beats 95% | 3 / 62 | ||
| Net Interest Margin | 4.06% | 3.19% | 4.06% | 4.80% | Beats 49% | 32 / 63 | ||
| Efficiency Ratio | 74.13% | 72.55% | 82.57% | 90.97% | Beats 75% | 17 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.32% | 0.64% | 1.62% | Beats 65% | 23 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.02% | 10.13% | 12.81% | 19.70% | Beats 29% | 45 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.02% | 10.13% | 12.81% | 19.70% | Beats 29% | 45 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.87% | 55.42% | 71.20% | 87.46% | 76th pctl | 15 / 63 | ||
| Loans / Assets | 78.26% | 48.43% | 59.68% | 73.12% | 83rd pctl | 11 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||