Houston, TX · Charter 68529
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
90
Asset Quality
31
Profitability
87
Liquidity
80
Efficiency
71
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 68529
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 | 3.36% | 2.89% | 2.91% | 2.73% | 2.37% | -99 bps | |
| Return on Equity | 16.64% | 14.29% | 15.41% | 10.75% | 8.85% | -779 bps | |
| Net Interest Margin | 4.31% | 4.13% | 3.74% | 4.55% | 4.57% | +27 bps | |
| Efficiency Ratio | 61.40% | 64.91% | 61.10% | 70.10% | 73.34% | +1,195 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 32.07% | 24.87% | 38.03% | -2.20% | -14.59% | -4,666 bps | |
| Loan Growth (YoY) | -31.23% | -29.78% | -29.98% | -26.03% | -14.40% | +1,683 bps | |
| Share Growth (YoY) | 27.96% | 21.79% | 40.68% | -2.86% | -18.41% | -4,636 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.31% | 1.31% | 1.59% | 1.62% | 0.93% | -138 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 | 20.20% | 20.21% | 18.92% | 25.35% | 26.81% | +661 bps | |
| Net Worth / Assets | 20.20% | 20.21% | 18.92% | 25.35% | 26.81% | +661 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.24% | 54.36% | 44.01% | 62.63% | 62.14% | +291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 68529 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
2.39%
Rank 7 of 235
Net Interest Margin
4.58%
Rank 42 of 235
Efficiency Ratio
73.36%
Rank 69 of 235
Equity / Assets
26.80%
Rank 23 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.39% | 0.17% | 0.57% | 1.10% | Beats 97% | 7 / 235 | |
| Return on Equity | 8.92% | 1.03% | 4.30% | 7.58% | Beats 81% | 45 / 235 | |
| Net Interest Margin | 4.58% | 3.32% | 3.89% | 4.35% | Beats 82% | 42 / 235 | |
| Efficiency Ratio | 73.36% | 70.60% | 82.00% | 91.57% | Beats 71% | 69 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.95% | 0.20% | 0.59% | 1.14% | Beats 31% | 164 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.80% | 11.30% | 14.41% | 19.49% | Beats 90% | 23 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.80% | 11.30% | 14.41% | 19.49% | Beats 90% | 23 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.14% | 54.18% | 67.38% | 81.66% | 39th pctl | 143 / 235 | |
| Loans / Assets | 44.26% | 43.80% | 56.63% | 68.64% | 26th pctl | 175 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||