Houston, TX · Charter 68440
NCUA · 5 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
43
Asset Quality
70
Profitability
34
Liquidity
50
Efficiency
40
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 68440
NCUA · 5 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 | -0.16% | -0.18% | -0.12% | 1.23% | 0.70% | 0.49% | -0.02% | 0.14% | -110 bps | |
| Return on Equity | -1.37% | -1.51% | -1.04% | 10.23% | 5.80% | 4.01% | -0.19% | 1.09% | -914 bps | |
| Net Interest Margin | 3.64% | 3.71% | 3.56% | 3.86% | 3.93% | 3.96% | 3.99% | 4.20% | +35 bps | |
| Efficiency Ratio | 92.44% | 93.21% | 97.64% | 75.60% | 79.65% | 82.28% | 90.86% | 86.69% | +1,109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.41% | -8.19% | -13.33% | -1.82% | 8.81% | 11.37% | 11.39% | -4.04% | -221 bps | |
| Loan Growth (YoY) | -11.72% | -12.98% | -13.19% | 0.81% | 2.44% | 6.17% | 10.75% | 0.33% | -48 bps | |
| Share Growth (YoY) | -6.36% | -8.48% | -7.52% | 4.72% | 7.79% | 10.65% | 10.72% | -4.32% | -903 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.52% | 0.29% | 0.57% | 0.46% | 0.56% | 0.45% | 0.40% | -18 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 | 11.73% | 12.00% | 11.69% | 12.05% | 12.11% | 12.13% | 11.84% | 12.45% | +40 bps | |
| Net Worth / Assets | 11.73% | 12.00% | 11.69% | 12.05% | 12.11% | 12.13% | 11.84% | 12.45% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.25% | 83.39% | 78.54% | 79.96% | 79.12% | 80.01% | 78.56% | 83.85% | +388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 68440 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 5 branches
Q2 2026
Return on Assets
0.14%
Rank 47 of 63
Net Interest Margin
4.20%
Rank 29 of 63
Efficiency Ratio
86.71%
Rank 39 of 63
Equity / Assets
12.45%
Rank 36 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | 0.11% | 0.53% | 1.19% | Beats 25% | 47 / 63 | ||
| Return on Equity | 1.09% | 1.09% | 3.60% | 6.92% | Beats 24% | 47 / 62 | ||
| Net Interest Margin | 4.20% | 3.19% | 4.06% | 4.80% | Beats 54% | 29 / 63 | ||
| Efficiency Ratio | 86.71% | 72.55% | 82.57% | 90.97% | Beats 40% | 39 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.32% | 0.64% | 1.62% | Beats 70% | 20 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.45% | 10.13% | 12.81% | 19.70% | Beats 43% | 36 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.45% | 10.13% | 12.81% | 19.70% | Beats 43% | 36 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.85% | 55.42% | 71.20% | 87.46% | 68th pctl | 20 / 63 | ||
| Loans / Assets | 73.13% | 48.43% | 59.68% | 73.12% | 76th pctl | 15 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||