Houston, TX · Charter 68605
NCUA · 14 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
56
Profitability
39
Liquidity
65
Efficiency
18
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 68605
NCUA · 14 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 | 0.40% | 0.42% | 0.42% | 0.24% | 0.49% | +9 bps | |
| Return on Equity | 3.59% | 3.75% | 3.84% | 2.21% | 4.44% | +86 bps | |
| Net Interest Margin | 3.66% | 3.70% | 3.65% | 3.64% | 3.78% | +12 bps | |
| Efficiency Ratio | 81.84% | 81.39% | 80.97% | 82.58% | 79.53% | -232 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.16% | 5.30% | -8.66% | 4.69% | 5.40% | -276 bps | |
| Loan Growth (YoY) | 9.06% | 7.76% | 8.36% | 7.66% | 8.28% | -78 bps | |
| Share Growth (YoY) | 8.38% | 3.88% | 5.79% | 4.54% | 3.28% | -510 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 0.72% | 0.57% | 0.53% | 0.62% | -15 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 | 11.06% | 11.11% | 10.92% | 10.90% | 10.94% | -12 bps | |
| Net Worth / Assets | 11.06% | 11.11% | 10.92% | 10.90% | 10.94% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.92% | 90.22% | 91.36% | 89.09% | 93.23% | +431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 68605 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
0.49%
Rank 348 of 435
Net Interest Margin
3.78%
Rank 97 of 435
Efficiency Ratio
79.53%
Rank 357 of 435
Equity / Assets
10.94%
Rank 208 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.55% | 0.81% | 1.14% | Beats 20% | 348 / 435 | |
| Return on Equity | 4.44% | 5.12% | 7.41% | 9.70% | Beats 20% | 348 / 435 | |
| Net Interest Margin | 3.78% | 3.01% | 3.39% | 3.75% | Beats 78% | 97 / 435 | |
| Efficiency Ratio | 79.53% | 65.25% | 71.39% | 77.86% | Beats 18% | 357 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.62% | 0.45% | 0.69% | 1.05% | Beats 56% | 193 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.94% | 9.81% | 10.84% | 12.63% | Beats 52% | 208 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.94% | 9.81% | 10.84% | 12.63% | Beats 52% | 208 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.23% | 78.33% | 88.38% | 95.61% | 66th pctl | 146 / 435 | |
| Loans / Assets | 79.28% | 67.69% | 74.58% | 80.80% | 67th pctl | 144 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||