Midland, TX · Charter 68682
NCUA · 7 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
17
Asset Quality
23
Profitability
54
Liquidity
0
Efficiency
53
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.
Midland, TX · Charter 68682
NCUA · 7 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 | 0.40% | 0.44% | 0.57% | 0.73% | 0.82% | 0.73% | 0.25% | 0.27% | -46 bps | |
| Return on Equity | 3.80% | 4.13% | 5.30% | 7.10% | 7.78% | 6.93% | 2.43% | 2.63% | -447 bps | |
| Net Interest Margin | 4.59% | 4.81% | 5.05% | 5.02% | 5.10% | 5.12% | 5.03% | 5.22% | +21 bps | |
| Efficiency Ratio | 79.82% | 80.27% | 81.73% | 81.98% | 80.56% | 81.56% | 81.42% | 80.47% | -152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 1.27% | 3.02% | 9.18% | 6.28% | 7.27% | 9.80% | 3.31% | -587 bps | |
| Loan Growth (YoY) | 3.68% | 2.81% | 4.00% | 8.43% | 7.69% | 3.46% | 9.43% | 4.82% | -361 bps | |
| Share Growth (YoY) | 2.90% | 1.04% | 2.60% | 9.67% | 6.27% | 7.00% | 9.94% | 2.93% | -674 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 1.10% | 0.94% | 1.06% | 1.34% | 1.57% | 1.27% | 1.24% | +17 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 | 10.66% | 10.71% | 10.65% | 10.33% | 10.57% | 10.51% | 10.14% | 10.29% | -4 bps | |
| Net Worth / Assets | 10.66% | 10.71% | 10.65% | 10.33% | 10.57% | 10.51% | 10.14% | 10.29% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.02% | 93.50% | 90.46% | 91.51% | 90.21% | 90.41% | 90.04% | 93.18% | +168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Midland, TX · Charter 68682 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 7 branches
Q2 2026
Return on Assets
0.27%
Rank 161 of 235
Net Interest Margin
5.22%
Rank 11 of 235
Efficiency Ratio
80.47%
Rank 112 of 235
Equity / Assets
10.29%
Rank 194 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.27% | 0.17% | 0.57% | 1.10% | Beats 31% | 161 / 235 | ||
| Return on Equity | 2.63% | 1.03% | 4.30% | 7.58% | Beats 37% | 148 / 235 | ||
| Net Interest Margin | 5.22% | 3.32% | 3.89% | 4.35% | Beats 95% | 11 / 235 | ||
| Efficiency Ratio | 80.47% | 70.60% | 82.00% | 91.57% | Beats 53% | 112 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.24% | 0.20% | 0.59% | 1.14% | Beats 23% | 183 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.29% | 11.30% | 14.41% | 19.49% | Beats 17% | 194 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.29% | 11.30% | 14.41% | 19.49% | Beats 17% | 194 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.18% | 54.18% | 67.38% | 81.66% | 92nd pctl | 19 / 235 | ||
| Loans / Assets | 82.56% | 43.80% | 56.63% | 68.64% | 97th pctl | 7 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||