Houston, TX · Charter 8344
NCUA · 2 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 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
86
Asset Quality
73
Profitability
65
Liquidity
90
Efficiency
89
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 8344
NCUA · 2 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 | 0.19% | 0.25% | 0.93% | 1.04% | 1.14% | 1.27% | 1.44% | 1.42% | +38 bps | |
| Return on Equity | 1.09% | 1.36% | 4.78% | 5.17% | 5.57% | 5.96% | 6.72% | 6.29% | +112 bps | |
| Net Interest Margin | 1.82% | 2.00% | 3.03% | 3.22% | 3.38% | 3.52% | 3.65% | 3.82% | +60 bps | |
| Efficiency Ratio | 85.55% | 84.69% | 66.51% | 66.08% | 61.60% | 60.69% | 65.57% | 62.65% | -344 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.44% | -3.15% | -10.86% | -12.29% | -8.87% | -9.35% | -3.30% | -5.03% | +726 bps | |
| Loan Growth (YoY) | 1.64% | -4.67% | -8.51% | -5.32% | -1.10% | -2.17% | -0.37% | 5.35% | +1,067 bps | |
| Share Growth (YoY) | -3.28% | -3.76% | -13.49% | -15.48% | -11.99% | -12.87% | -5.87% | -8.12% | +736 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.92% | 0.76% | 0.61% | 0.17% | 1.04% | 0.42% | 0.39% | -22 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 | 17.80% | 18.19% | 19.38% | 20.10% | 20.50% | 21.34% | 21.42% | 22.63% | +254 bps | |
| Net Worth / Assets | 17.80% | 18.19% | 19.38% | 20.10% | 20.50% | 21.34% | 21.42% | 22.63% | +254 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.56% | 60.22% | 61.77% | 64.21% | 65.81% | 67.62% | 65.37% | 73.62% | +941 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 8344 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
1.42%
Rank 11 of 63
Net Interest Margin
3.82%
Rank 36 of 63
Efficiency Ratio
62.63%
Rank 8 of 63
Equity / Assets
22.63%
Rank 9 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 0.11% | 0.53% | 1.19% | Beats 83% | 11 / 63 | ||
| Return on Equity | 6.29% | 1.09% | 3.60% | 6.92% | Beats 68% | 20 / 62 | ||
| Net Interest Margin | 3.82% | 3.19% | 4.06% | 4.80% | Beats 43% | 36 / 63 | ||
| Efficiency Ratio | 62.63% | 72.55% | 82.57% | 90.97% | Beats 89% | 8 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.32% | 0.64% | 1.62% | Beats 73% | 18 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.63% | 10.13% | 12.81% | 19.70% | Beats 86% | 9 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.63% | 10.13% | 12.81% | 19.70% | Beats 86% | 9 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.62% | 55.42% | 71.20% | 87.46% | 52nd pctl | 30 / 63 | ||
| Loans / Assets | 56.63% | 48.43% | 59.68% | 73.12% | 44th pctl | 35 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||