McALLEN, TX · Charter 8237
NCUA · 3 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
4
Asset Quality
10
Profitability
41
Liquidity
0
Efficiency
41
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.
McALLEN, TX · Charter 8237
NCUA · 3 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 | 0.31% | 0.42% | 0.85% | 0.63% | 0.61% | 0.39% | 0.10% | 0.40% | -23 bps | |
| Return on Equity | 3.47% | 4.54% | 9.62% | 7.18% | 6.83% | 4.55% | 1.24% | 4.68% | -250 bps | |
| Net Interest Margin | 3.81% | 3.84% | 3.67% | 3.64% | 3.77% | 3.69% | 3.43% | 3.44% | -19 bps | |
| Efficiency Ratio | 84.21% | 81.64% | 79.07% | 81.65% | 81.62% | 82.72% | 89.80% | 85.01% | +336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.64% | -9.07% | -1.69% | 2.57% | 6.85% | 9.99% | 5.67% | 4.30% | +173 bps | |
| Loan Growth (YoY) | -23.16% | -25.61% | -27.83% | -29.65% | -30.34% | -31.05% | -31.18% | -30.12% | -47 bps | |
| Share Growth (YoY) | -9.79% | -9.83% | -3.27% | 0.99% | 6.36% | 9.19% | 5.18% | 4.23% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.54% | 0.52% | 1.45% | 1.69% | 1.31% | 1.20% | 2.38% | +94 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 | 9.01% | 9.17% | 8.86% | 8.82% | 8.90% | 8.56% | 8.43% | 8.57% | -25 bps | |
| Net Worth / Assets | 9.01% | 9.17% | 8.86% | 8.82% | 8.90% | 8.56% | 8.43% | 8.57% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.68% | 54.22% | 46.79% | 41.52% | 37.78% | 34.24% | 30.62% | 27.84% | -1,368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
McALLEN, TX · Charter 8237 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
0.40%
Rank 144 of 235
Net Interest Margin
3.44%
Rank 162 of 235
Efficiency Ratio
85.02%
Rank 140 of 235
Equity / Assets
8.57%
Rank 225 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.17% | 0.57% | 1.10% | Beats 39% | 144 / 235 | ||
| Return on Equity | 4.69% | 1.03% | 4.30% | 7.58% | Beats 53% | 111 / 235 | ||
| Net Interest Margin | 3.44% | 3.32% | 3.89% | 4.35% | Beats 31% | 162 / 235 | ||
| Efficiency Ratio | 85.02% | 70.60% | 82.00% | 91.57% | Beats 41% | 140 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.39% | 0.20% | 0.59% | 1.14% | Beats 10% | 212 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.57% | 11.30% | 14.41% | 19.49% | Beats 4% | 225 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.57% | 11.30% | 14.41% | 19.49% | Beats 4% | 225 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 27.84% | 54.18% | 67.38% | 81.66% | 3rd pctl | 227 / 235 | ||
| Loans / Assets | 25.69% | 43.80% | 56.63% | 68.64% | 6th pctl | 222 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||