Corpus Christi, TX · Charter 68482
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 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
29
Asset Quality
32
Profitability
36
Liquidity
76
Efficiency
65
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 68482
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 | -0.19% | -0.04% | -0.31% | 0.02% | 0.18% | 0.21% | 0.43% | 0.43% | +41 bps | |
| Return on Equity | -1.53% | -0.33% | -2.66% | 0.19% | 1.49% | 1.84% | 3.70% | 3.69% | +350 bps | |
| Net Interest Margin | 2.78% | 2.85% | 2.98% | 3.08% | 3.17% | 3.18% | 3.28% | 3.31% | +24 bps | |
| Efficiency Ratio | 83.44% | 80.45% | 81.74% | 77.95% | 75.77% | 74.70% | 75.29% | 75.32% | -263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.45% | 3.36% | 3.25% | 2.45% | 3.18% | 4.12% | 0.99% | 1.47% | -98 bps | |
| Loan Growth (YoY) | -3.18% | -3.69% | 0.17% | -1.91% | 4.22% | 5.98% | 8.90% | 3.03% | +494 bps | |
| Share Growth (YoY) | -1.37% | 3.93% | 3.36% | 2.48% | 3.07% | 3.51% | 0.06% | 0.44% | -204 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.98% | 2.30% | 1.65% | 1.61% | 1.51% | 1.37% | 0.99% | 0.89% | -72 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 | 12.31% | 12.06% | 11.58% | 11.67% | 11.88% | 11.53% | 11.60% | 11.66% | -2 bps | |
| Net Worth / Assets | 12.31% | 12.06% | 11.58% | 11.67% | 11.88% | 11.53% | 11.60% | 11.66% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.43% | 72.60% | 69.61% | 71.36% | 76.27% | 74.33% | 75.75% | 73.20% | +184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corpus Christi, TX · Charter 68482 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 9 branches
Q2 2026
Return on Assets
0.43%
Rank 140 of 235
Net Interest Margin
3.31%
Rank 179 of 235
Efficiency Ratio
75.32%
Rank 83 of 235
Equity / Assets
11.66%
Rank 166 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.17% | 0.57% | 1.10% | Beats 40% | 140 / 235 | ||
| Return on Equity | 3.69% | 1.03% | 4.30% | 7.58% | Beats 45% | 129 / 235 | ||
| Net Interest Margin | 3.31% | 3.32% | 3.89% | 4.35% | Beats 24% | 179 / 235 | ||
| Efficiency Ratio | 75.32% | 70.60% | 82.00% | 91.57% | Beats 65% | 83 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.20% | 0.59% | 1.14% | Beats 32% | 161 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.66% | 11.30% | 14.41% | 19.49% | Beats 29% | 166 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.66% | 11.30% | 14.41% | 19.49% | Beats 29% | 166 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.20% | 54.18% | 67.38% | 81.66% | 62nd pctl | 90 / 235 | ||
| Loans / Assets | 64.62% | 43.80% | 56.63% | 68.64% | 69th pctl | 73 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||