Laredo, TX · Charter 7024
NCUA · 1 branch
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
57
Asset Quality
79
Profitability
56
Liquidity
45
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.
Laredo, TX · Charter 7024
NCUA · 1 branch
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 | 0.31% | 0.34% | 0.28% | 0.77% | 0.47% | +16 bps | |
| Return on Equity | 2.17% | 2.40% | 1.92% | 4.90% | 3.01% | +84 bps | |
| Net Interest Margin | 4.70% | 4.65% | 4.69% | 4.73% | 4.68% | -2 bps | |
| Efficiency Ratio | 94.10% | 94.57% | 95.08% | 85.76% | 87.47% | -663 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.34% | -3.63% | 4.13% | 2.85% | 2.04% | +738 bps | |
| Loan Growth (YoY) | -12.51% | -9.29% | 4.74% | 0.02% | -0.71% | +1,181 bps | |
| Share Growth (YoY) | -7.55% | -5.23% | 3.80% | 2.23% | 1.77% | +932 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.19% | 0.62% | 1.72% | 0.15% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.07% | 0.13% | 0.11% | 0.20% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.30% | 14.29% | 14.36% | 15.64% | 15.47% | +116 bps | |
| Net Worth / Assets | 14.30% | 14.29% | 14.36% | 15.64% | 15.47% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.50% | 81.53% | 85.49% | 82.64% | 80.49% | -200 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Laredo, TX · Charter 7024 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.46%
Rank 131 of 235
Net Interest Margin
4.71%
Rank 33 of 235
Efficiency Ratio
86.93%
Rank 156 of 235
Equity / Assets
15.47%
Rank 100 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.17% | 0.57% | 1.10% | Beats 44% | 131 / 235 | |
| Return on Equity | 2.95% | 1.03% | 4.30% | 7.58% | Beats 39% | 143 / 235 | |
| Net Interest Margin | 4.71% | 3.32% | 3.89% | 4.35% | Beats 86% | 33 / 235 | |
| Efficiency Ratio | 86.93% | 70.60% | 82.00% | 91.57% | Beats 34% | 156 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.59% | 1.14% | Beats 79% | 51 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.47% | 11.30% | 14.41% | 19.49% | Beats 57% | 100 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.47% | 11.30% | 14.41% | 19.49% | Beats 57% | 100 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.48% | 54.18% | 67.38% | 81.66% | 74th pctl | 62 / 235 | |
| Loans / Assets | 68.00% | 43.80% | 56.63% | 68.64% | 74th pctl | 61 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||