Beaumont, TX · Charter 68735
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
77
Asset Quality
62
Profitability
42
Liquidity
0
Efficiency
34
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.
Beaumont, TX · Charter 68735
NCUA · 14 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 | 0.35% | 0.41% | 0.44% | 0.45% | 0.48% | 0.57% | 0.73% | 0.70% | +24 bps | |
| Return on Equity | 2.51% | 3.00% | 3.28% | 3.46% | 3.68% | 4.48% | 5.92% | 5.42% | +196 bps | |
| Net Interest Margin | 3.06% | 3.09% | 3.22% | 3.24% | 3.29% | 3.28% | 3.35% | 3.53% | +29 bps | |
| Efficiency Ratio | 87.21% | 85.61% | 81.68% | 81.13% | 80.53% | 78.71% | 74.52% | 75.24% | -588 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.91% | -2.42% | 0.10% | 4.36% | 8.01% | 10.54% | 13.74% | 6.86% | +250 bps | |
| Loan Growth (YoY) | 0.43% | 2.31% | 3.77% | 9.46% | 14.81% | 15.50% | 14.91% | 9.61% | +15 bps | |
| Share Growth (YoY) | 0.41% | -2.04% | -0.98% | 3.91% | 6.52% | 10.11% | 17.10% | 8.55% | +464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.68% | 0.48% | 0.46% | 0.60% | 0.73% | 0.52% | 0.57% | +12 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 | 13.77% | 13.70% | 13.52% | 13.13% | 13.07% | 12.80% | 12.36% | 12.82% | -31 bps | |
| Net Worth / Assets | 13.77% | 13.70% | 13.52% | 13.13% | 13.07% | 12.80% | 12.36% | 12.82% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.42% | 99.75% | 101.24% | 103.26% | 105.01% | 104.64% | 99.34% | 104.27% | +101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beaumont, TX · Charter 68735 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
0.70%
Rank 275 of 435
Net Interest Margin
3.53%
Rank 171 of 435
Efficiency Ratio
75.25%
Rank 286 of 435
Equity / Assets
12.82%
Rank 99 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 37% | 275 / 435 | ||
| Return on Equity | 5.42% | 5.12% | 7.41% | 9.70% | Beats 28% | 312 / 435 | ||
| Net Interest Margin | 3.53% | 3.01% | 3.39% | 3.75% | Beats 61% | 171 / 435 | ||
| Efficiency Ratio | 75.25% | 65.25% | 71.39% | 77.86% | Beats 34% | 286 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.45% | 0.69% | 1.05% | Beats 62% | 165 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.82% | 9.81% | 10.84% | 12.63% | Beats 77% | 99 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.82% | 9.81% | 10.84% | 12.63% | Beats 77% | 99 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.27% | 78.33% | 88.38% | 95.61% | 93rd pctl | 32 / 435 | ||
| Loans / Assets | 81.80% | 67.69% | 74.58% | 80.80% | 81st pctl | 82 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||