Corpus Christi, TX · Charter 68300
NCUA · 2 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
23
Asset Quality
65
Profitability
43
Liquidity
41
Efficiency
44
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 68300
NCUA · 2 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 | 0.00% | 0.16% | 0.17% | 0.22% | 0.17% | +17 bps | |
| Return on Equity | -0.02% | 1.47% | 1.55% | 2.10% | 1.52% | +154 bps | |
| Net Interest Margin | 4.49% | 4.59% | 4.51% | 4.21% | 4.38% | -10 bps | |
| Efficiency Ratio | 79.03% | 78.37% | 78.97% | 85.39% | 83.64% | +461 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.53% | -3.20% | -2.20% | 0.24% | -0.15% | +538 bps | |
| Loan Growth (YoY) | -5.28% | -6.67% | -3.89% | -2.47% | -10.92% | -564 bps | |
| Share Growth (YoY) | -7.24% | -3.78% | -2.88% | -0.10% | 0.02% | +726 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.62% | 2.19% | 1.44% | 0.56% | 0.40% | -222 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 | 10.72% | 10.89% | 10.86% | 10.59% | 10.99% | +27 bps | |
| Net Worth / Assets | 10.72% | 10.89% | 10.86% | 10.59% | 10.99% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.18% | 56.77% | 55.98% | 51.90% | 51.81% | -637 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corpus Christi, TX · Charter 68300 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.17%
Rank 179 of 235
Net Interest Margin
4.38%
Rank 58 of 235
Efficiency Ratio
83.67%
Rank 132 of 235
Equity / Assets
10.99%
Rank 182 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.17% | 0.57% | 1.10% | Beats 24% | 179 / 235 | |
| Return on Equity | 1.53% | 1.03% | 4.30% | 7.58% | Beats 30% | 164 / 235 | |
| Net Interest Margin | 4.38% | 3.32% | 3.89% | 4.35% | Beats 75% | 58 / 235 | |
| Efficiency Ratio | 83.67% | 70.60% | 82.00% | 91.57% | Beats 44% | 132 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.20% | 0.59% | 1.14% | Beats 65% | 83 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.99% | 11.30% | 14.41% | 19.49% | Beats 23% | 182 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.99% | 11.30% | 14.41% | 19.49% | Beats 23% | 182 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.81% | 54.18% | 67.38% | 81.66% | 22nd pctl | 184 / 235 | |
| Loans / Assets | 45.74% | 43.80% | 56.63% | 68.64% | 27th pctl | 171 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||