El Paso, TX · Charter 856
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 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
72
Asset Quality
41
Profitability
74
Liquidity
36
Efficiency
82
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.
El Paso, TX · Charter 856
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 | 2.38% | 2.60% | 2.34% | 4.17% | 5.41% | 4.52% | 9.20% | 1.09% | -308 bps | |
| Return on Equity | 17.25% | 17.25% | 16.14% | 25.95% | 30.02% | 24.72% | 51.15% | 5.88% | -2,007 bps | |
| Net Interest Margin | 4.69% | 4.87% | 4.43% | 4.59% | 4.70% | 4.69% | 4.72% | 4.70% | +11 bps | |
| Efficiency Ratio | 56.42% | 56.60% | 58.76% | 47.22% | 41.17% | 46.47% | -70.63% | 67.75% | +2,053 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.84% | -0.45% | 4.49% | 6.28% | 4.20% | 9.51% | 3.58% | 3.66% | -262 bps | |
| Loan Growth (YoY) | 27.05% | 22.60% | 24.83% | 21.02% | 20.68% | 26.13% | 17.71% | 7.11% | -1,391 bps | |
| Share Growth (YoY) | 0.68% | -3.12% | -0.08% | 2.51% | 0.55% | 6.82% | 3.12% | 3.58% | +107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.63% | 0.39% | 0.17% | 0.59% | 0.56% | 0.39% | 0.70% | +53 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 | 13.82% | 15.07% | 14.53% | 16.06% | 18.01% | 18.28% | 18.00% | 18.45% | +239 bps | |
| Net Worth / Assets | 13.82% | 15.07% | 14.53% | 16.06% | 18.01% | 18.28% | 18.00% | 18.45% | +239 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.38% | 73.97% | 74.53% | 79.91% | 83.26% | 87.33% | 85.07% | 82.63% | +272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Paso, TX · Charter 856 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
1.08%
Rank 60 of 235
Net Interest Margin
4.70%
Rank 34 of 235
Efficiency Ratio
67.75%
Rank 44 of 235
Equity / Assets
18.45%
Rank 66 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.17% | 0.57% | 1.10% | Beats 74% | 60 / 235 | ||
| Return on Equity | 5.88% | 1.03% | 4.30% | 7.58% | Beats 62% | 90 / 235 | ||
| Net Interest Margin | 4.70% | 3.32% | 3.89% | 4.35% | Beats 86% | 34 / 235 | ||
| Efficiency Ratio | 67.75% | 70.60% | 82.00% | 91.57% | Beats 82% | 44 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.20% | 0.59% | 1.14% | Beats 41% | 139 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.45% | 11.30% | 14.41% | 19.49% | Beats 72% | 66 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.45% | 11.30% | 14.41% | 19.49% | Beats 72% | 66 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.63% | 54.18% | 67.38% | 81.66% | 76th pctl | 56 / 235 | ||
| Loans / Assets | 63.13% | 43.80% | 56.63% | 68.64% | 64th pctl | 84 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||