Bishop, TX · Charter 7129
NCUA · 6 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
32
Asset Quality
38
Profitability
47
Liquidity
88
Efficiency
62
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.
Bishop, TX · Charter 7129
NCUA · 6 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 | 0.86% | 0.83% | 0.57% | 0.67% | 0.77% | 0.79% | 0.81% | 0.80% | +13 bps | |
| Return on Equity | 6.84% | 6.70% | 4.79% | 5.68% | 6.33% | 6.73% | 6.76% | 6.63% | +95 bps | |
| Net Interest Margin | 2.88% | 2.86% | 2.75% | 2.80% | 2.91% | 2.85% | 3.07% | 2.98% | +18 bps | |
| Efficiency Ratio | 72.72% | 72.69% | 78.48% | 76.31% | 74.40% | 73.17% | 73.79% | 76.51% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.79% | 8.40% | 10.88% | 13.45% | 9.57% | 11.81% | 5.92% | 4.31% | -914 bps | |
| Loan Growth (YoY) | -2.15% | -2.26% | 0.64% | 3.08% | 5.36% | 8.22% | 9.64% | 1.39% | -169 bps | |
| Share Growth (YoY) | 9.63% | 8.83% | 11.80% | 14.99% | 10.28% | 12.51% | 5.99% | 3.60% | -1,139 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.92% | 0.85% | 0.68% | 1.20% | 1.10% | 0.85% | 0.75% | +7 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 | 12.56% | 12.38% | 11.82% | 11.81% | 12.13% | 11.78% | 11.93% | 12.11% | +29 bps | |
| Net Worth / Assets | 12.56% | 12.38% | 11.82% | 11.81% | 12.13% | 11.78% | 11.93% | 12.11% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.02% | 69.27% | 64.83% | 65.51% | 67.85% | 66.64% | 67.06% | 64.11% | -140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bishop, TX · Charter 7129 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 6 branches
Q2 2026
Return on Assets
0.80%
Rank 91 of 235
Net Interest Margin
2.98%
Rank 211 of 235
Efficiency Ratio
76.50%
Rank 90 of 235
Equity / Assets
12.11%
Rank 159 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.17% | 0.57% | 1.10% | Beats 61% | 91 / 235 | ||
| Return on Equity | 6.63% | 1.03% | 4.30% | 7.58% | Beats 69% | 74 / 235 | ||
| Net Interest Margin | 2.98% | 3.32% | 3.89% | 4.35% | Beats 10% | 211 / 235 | ||
| Efficiency Ratio | 76.50% | 70.60% | 82.00% | 91.57% | Beats 62% | 90 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.20% | 0.59% | 1.14% | Beats 38% | 146 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.11% | 11.30% | 14.41% | 19.49% | Beats 32% | 159 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.11% | 11.30% | 14.41% | 19.49% | Beats 32% | 159 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.11% | 54.18% | 67.38% | 81.66% | 43rd pctl | 134 / 235 | ||
| Loans / Assets | 55.70% | 43.80% | 56.63% | 68.64% | 49th pctl | 121 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||