Universal City, TX · Charter 8111
NCUA · 63 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
32
Profitability
71
Liquidity
62
Efficiency
64
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.
Universal City, TX · Charter 8111
NCUA · 63 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 | 1.46% | 1.36% | 1.15% | 1.44% | 1.48% | 1.39% | 1.02% | 1.47% | +3 bps | |
| Return on Equity | 11.68% | 10.88% | 9.33% | 11.44% | 11.50% | 10.73% | 7.75% | 10.99% | -45 bps | |
| Net Interest Margin | 2.90% | 2.89% | 3.01% | 3.07% | 3.10% | 3.10% | 3.36% | 3.35% | +28 bps | |
| Efficiency Ratio | 58.50% | 59.08% | 60.16% | 55.78% | 55.47% | 56.69% | 62.43% | 55.50% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | -0.41% | 5.97% | 5.77% | 7.75% | 6.95% | 3.73% | 4.61% | -116 bps | |
| Loan Growth (YoY) | 3.93% | 3.25% | 3.43% | 3.78% | 3.58% | 3.42% | 2.32% | 1.30% | -248 bps | |
| Share Growth (YoY) | 4.30% | 6.07% | 6.17% | 5.76% | 5.77% | 6.12% | 5.17% | 5.09% | -68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.90% | 0.71% | 0.96% | 0.89% | 1.05% | 1.00% | 1.27% | +31 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 | 12.47% | 12.48% | 12.32% | 12.63% | 12.89% | 12.99% | 13.18% | 13.42% | +79 bps | |
| Net Worth / Assets | 12.47% | 12.48% | 12.32% | 12.63% | 12.89% | 12.99% | 13.18% | 13.42% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.95% | 86.52% | 84.37% | 85.45% | 85.15% | 84.33% | 82.09% | 82.37% | -308 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Universal City, TX · Charter 8111 · Peer group: credit unions any (n=25)
NCUA · 63 branches
Q2 2026
Return on Assets
1.47%
Rank 5 of 25
Net Interest Margin
3.35%
Rank 10 of 25
Efficiency Ratio
55.50%
Rank 10 of 25
Equity / Assets
13.42%
Rank 4 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | 0.54% | 0.87% | 1.36% | Beats 80% | 5 / 25 | ||
| Return on Equity | 10.99% | 5.49% | 9.20% | 10.99% | Beats 72% | 7 / 25 | ||
| Net Interest Margin | 3.35% | 2.86% | 3.13% | 3.50% | Beats 60% | 10 / 25 | ||
| Efficiency Ratio | 55.50% | 54.62% | 61.07% | 70.28% | Beats 64% | 10 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.27% | 0.64% | 0.92% | 1.30% | Beats 32% | 18 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.42% | 9.55% | 10.72% | 11.84% | Beats 84% | 4 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.42% | 9.55% | 10.72% | 11.84% | Beats 84% | 4 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.37% | 81.23% | 88.75% | 93.33% | 28th pctl | 18 / 25 | ||
| Loans / Assets | 65.59% | 68.82% | 78.26% | 79.51% | 20th pctl | 20 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||