Port Neches, TX · Charter 7916
NCUA · 11 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
91
Asset Quality
96
Profitability
93
Liquidity
98
Efficiency
90
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.
Port Neches, TX · Charter 7916
NCUA · 11 branches
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 | 1.74% | 1.73% | 1.63% | 2.09% | 2.14% | +40 bps | |
| Return on Equity | 11.45% | 11.37% | 10.77% | 14.24% | 14.57% | +312 bps | |
| Net Interest Margin | 3.93% | 3.94% | 3.89% | 3.75% | 3.90% | -3 bps | |
| Efficiency Ratio | 65.49% | 64.74% | 64.37% | 60.78% | 58.85% | -664 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.61% | 10.18% | 12.10% | 14.03% | 16.37% | +576 bps | |
| Loan Growth (YoY) | 7.27% | 9.86% | 13.28% | 16.64% | 17.26% | +999 bps | |
| Share Growth (YoY) | 10.74% | 9.97% | 12.72% | 14.19% | 17.41% | +667 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.30% | 0.25% | 0.20% | 0.20% | -17 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.15% | 15.24% | 15.18% | 14.65% | 14.66% | -50 bps | |
| Net Worth / Assets | 15.15% | 15.24% | 15.18% | 14.65% | 14.66% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.11% | 89.51% | 89.45% | 87.48% | 88.00% | -11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Port Neches, TX · Charter 7916 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
2.14%
Rank 3 of 435
Net Interest Margin
3.90%
Rank 75 of 435
Efficiency Ratio
58.85%
Rank 44 of 435
Equity / Assets
14.66%
Rank 40 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.14% | 0.55% | 0.81% | 1.14% | Beats 99% | 3 / 435 | |
| Return on Equity | 14.57% | 5.12% | 7.41% | 9.70% | Beats 98% | 9 / 435 | |
| Net Interest Margin | 3.90% | 3.01% | 3.39% | 3.75% | Beats 83% | 75 / 435 | |
| Efficiency Ratio | 58.85% | 65.25% | 71.39% | 77.86% | Beats 90% | 44 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.45% | 0.69% | 1.05% | Beats 96% | 20 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.66% | 9.81% | 10.84% | 12.63% | Beats 91% | 40 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.66% | 9.81% | 10.84% | 12.63% | Beats 91% | 40 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.00% | 78.33% | 88.38% | 95.61% | 49th pctl | 222 / 435 | |
| Loans / Assets | 74.73% | 67.69% | 74.58% | 80.80% | 50th pctl | 217 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||