Houston, TX · Charter 7552
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 the Houston-Pasadena-The Woodlands, TX area (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
25
Profitability
78
Liquidity
72
Efficiency
97
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 7552
NCUA · 1 branch
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 | 1.64% | 1.70% | 1.93% | 2.36% | 1.86% | 1.90% | 1.84% | 1.84% | -52 bps | |
| Return on Equity | 7.79% | 7.87% | 8.97% | 10.75% | 8.34% | 8.45% | 8.17% | 8.01% | -273 bps | |
| Net Interest Margin | 3.94% | 4.05% | 4.13% | 4.14% | 4.17% | 4.21% | 4.20% | 4.23% | +8 bps | |
| Efficiency Ratio | 56.94% | 56.60% | 53.66% | 49.91% | 54.61% | 54.41% | 55.34% | 54.60% | +469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.41% | 2.52% | 3.56% | 2.67% | 3.36% | 4.61% | 4.36% | 4.57% | +189 bps | |
| Loan Growth (YoY) | 5.15% | 3.18% | 0.17% | -3.06% | -4.60% | -5.81% | -6.35% | -6.08% | -301 bps | |
| Share Growth (YoY) | 1.07% | 1.17% | 2.43% | 1.57% | 1.42% | 3.74% | 2.61% | 2.08% | +51 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.20% | 1.27% | 1.26% | 1.70% | 1.63% | 1.65% | 1.62% | +36 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 | 21.10% | 21.57% | 21.57% | 21.95% | 22.25% | 22.53% | 22.53% | 22.91% | +96 bps | |
| Net Worth / Assets | 21.10% | 21.57% | 21.57% | 21.95% | 22.25% | 22.53% | 22.53% | 22.91% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.44% | 74.05% | 70.96% | 70.19% | 69.09% | 67.23% | 64.76% | 64.58% | -561 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 7552 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
1.84%
Rank 5 of 63
Net Interest Margin
4.23%
Rank 27 of 63
Efficiency Ratio
54.60%
Rank 3 of 63
Equity / Assets
22.91%
Rank 8 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.11% | 0.53% | 1.19% | Beats 92% | 5 / 63 | ||
| Return on Equity | 8.01% | 1.09% | 3.60% | 6.92% | Beats 84% | 10 / 62 | ||
| Net Interest Margin | 4.23% | 3.19% | 4.06% | 4.80% | Beats 57% | 27 / 63 | ||
| Efficiency Ratio | 54.60% | 72.55% | 82.57% | 90.97% | Beats 97% | 3 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.62% | 0.32% | 0.64% | 1.62% | Beats 25% | 48 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.91% | 10.13% | 12.81% | 19.70% | Beats 87% | 8 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.91% | 10.13% | 12.81% | 19.70% | Beats 87% | 8 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.58% | 55.42% | 71.20% | 87.46% | 41st pctl | 37 / 63 | ||
| Loans / Assets | 49.01% | 48.43% | 59.68% | 73.12% | 25th pctl | 47 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||