Groves, TX · Charter 8298
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 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
74
Asset Quality
46
Profitability
33
Liquidity
29
Efficiency
22
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.
Groves, TX · Charter 8298
NCUA · 1 branch
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 | 1.46% | 1.34% | 1.07% | 0.38% | 0.05% | -141 bps | |
| Return on Equity | 7.97% | 7.08% | 5.85% | 2.09% | 0.27% | -770 bps | |
| Net Interest Margin | 4.05% | 4.21% | 4.08% | 4.05% | 4.07% | +2 bps | |
| Efficiency Ratio | 72.59% | 73.93% | 78.00% | 89.40% | 93.37% | +2,078 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.30% | 5.04% | 9.19% | 4.78% | 0.34% | -496 bps | |
| Loan Growth (YoY) | -8.21% | -8.69% | -6.94% | -6.04% | -5.73% | +248 bps | |
| Share Growth (YoY) | 4.77% | 4.88% | 9.50% | 4.00% | -0.69% | -546 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.08% | 0.52% | 0.42% | 0.63% | +24 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 | 18.32% | 18.95% | 18.38% | 18.34% | 18.61% | +29 bps | |
| Net Worth / Assets | 18.32% | 18.95% | 18.38% | 18.34% | 18.61% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.38% | 51.09% | 49.66% | 47.26% | 48.77% | -261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Groves, TX · Charter 8298 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.05%
Rank 191 of 235
Net Interest Margin
4.07%
Rank 87 of 235
Efficiency Ratio
93.39%
Rank 184 of 235
Equity / Assets
18.61%
Rank 62 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.17% | 0.57% | 1.10% | Beats 19% | 191 / 235 | |
| Return on Equity | 0.28% | 1.03% | 4.30% | 7.58% | Beats 17% | 195 / 235 | |
| Net Interest Margin | 4.07% | 3.32% | 3.89% | 4.35% | Beats 63% | 87 / 235 | |
| Efficiency Ratio | 93.39% | 70.60% | 82.00% | 91.57% | Beats 22% | 184 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.63% | 0.20% | 0.59% | 1.14% | Beats 46% | 128 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.61% | 11.30% | 14.41% | 19.49% | Beats 74% | 62 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.61% | 11.30% | 14.41% | 19.49% | Beats 74% | 62 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.77% | 54.18% | 67.38% | 81.66% | 17th pctl | 195 / 235 | |
| Loans / Assets | 39.38% | 43.80% | 56.63% | 68.64% | 19th pctl | 191 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||