Waco, TX · Charter 8585
NCUA · 5 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
49
Asset Quality
76
Profitability
73
Liquidity
59
Efficiency
91
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.
Waco, TX · Charter 8585
NCUA · 5 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 | 1.25% | 1.27% | 1.69% | 1.63% | 1.56% | 1.55% | 1.80% | 1.95% | +33 bps | |
| Return on Equity | 9.78% | 9.85% | 13.03% | 12.27% | 11.61% | 11.32% | 13.00% | 13.68% | +141 bps | |
| Net Interest Margin | 3.11% | 3.13% | 3.28% | 3.36% | 3.38% | 3.40% | 3.37% | 3.41% | +5 bps | |
| Efficiency Ratio | 68.50% | 67.81% | 63.54% | 63.63% | 63.07% | 62.99% | 63.05% | 60.56% | -307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.06% | 4.54% | 5.87% | 6.86% | 7.12% | 6.50% | 5.60% | 5.47% | -139 bps | |
| Loan Growth (YoY) | -1.84% | -2.00% | -2.04% | -0.51% | 0.66% | 3.59% | 3.75% | 5.99% | +651 bps | |
| Share Growth (YoY) | 1.56% | 3.06% | 4.46% | 5.30% | 6.29% | 5.57% | 4.46% | 4.36% | -94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.26% | 0.21% | 0.22% | 0.22% | 0.37% | 0.28% | 0.19% | -3 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 | 12.80% | 12.93% | 12.97% | 13.25% | 13.44% | 13.68% | 13.84% | 14.26% | +101 bps | |
| Net Worth / Assets | 12.80% | 12.93% | 12.97% | 13.25% | 13.44% | 13.68% | 13.84% | 14.26% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.51% | 57.66% | 54.84% | 55.68% | 54.47% | 56.57% | 54.46% | 56.54% | +87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waco, TX · Charter 8585 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
Return on Assets
1.95%
Rank 17 of 235
Net Interest Margin
3.41%
Rank 168 of 235
Efficiency Ratio
60.56%
Rank 21 of 235
Equity / Assets
14.26%
Rank 121 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.95% | 0.17% | 0.57% | 1.10% | Beats 93% | 17 / 235 | ||
| Return on Equity | 13.68% | 1.03% | 4.30% | 7.58% | Beats 97% | 8 / 235 | ||
| Net Interest Margin | 3.41% | 3.32% | 3.89% | 4.35% | Beats 29% | 168 / 235 | ||
| Efficiency Ratio | 60.56% | 70.60% | 82.00% | 91.57% | Beats 91% | 21 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.20% | 0.59% | 1.14% | Beats 76% | 58 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.26% | 11.30% | 14.41% | 19.49% | Beats 49% | 121 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.26% | 11.30% | 14.41% | 19.49% | Beats 49% | 121 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.54% | 54.18% | 67.38% | 81.66% | 29th pctl | 168 / 235 | ||
| Loans / Assets | 48.21% | 43.80% | 56.63% | 68.64% | 33rd pctl | 158 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||