Houston, TX · Charter 9214
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 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
98
Asset Quality
21
Profitability
33
Liquidity
98
Efficiency
67
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 9214
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 | 0.25% | 0.27% | 0.30% | 1.12% | 0.70% | +45 bps | |
| Return on Equity | 0.59% | 0.62% | 0.67% | 2.56% | 1.57% | +98 bps | |
| Net Interest Margin | 2.93% | 3.10% | 3.10% | 2.67% | 2.76% | -17 bps | |
| Efficiency Ratio | 87.98% | 88.26% | 88.10% | 62.00% | 77.19% | -1,078 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.81% | -0.42% | -0.93% | -0.29% | -4.91% | -972 bps | |
| Loan Growth (YoY) | 1.54% | -0.39% | -4.98% | -10.80% | -12.73% | -1,427 bps | |
| Share Growth (YoY) | 7.47% | -1.18% | -1.96% | -2.14% | -9.65% | -1,711 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.05% | 3.18% | 3.81% | 3.25% | 2.09% | -196 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 | 41.79% | 43.53% | 44.29% | 43.75% | 44.47% | +267 bps | |
| Net Worth / Assets | 41.79% | 43.53% | 44.29% | 43.75% | 44.47% | +267 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.25% | 77.40% | 77.25% | 71.43% | 70.75% | -250 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 9214 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.70%
Rank 27 of 63
Net Interest Margin
2.76%
Rank 54 of 63
Efficiency Ratio
77.16%
Rank 22 of 63
Equity / Assets
44.47%
Rank 1 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.11% | 0.53% | 1.19% | Beats 57% | 27 / 63 | |
| Return on Equity | 1.57% | 1.09% | 3.60% | 6.92% | Beats 27% | 45 / 62 | |
| Net Interest Margin | 2.76% | 3.19% | 4.06% | 4.80% | Beats 14% | 54 / 63 | |
| Efficiency Ratio | 77.16% | 72.55% | 82.57% | 90.97% | Beats 67% | 22 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.09% | 0.32% | 0.64% | 1.62% | Beats 21% | 51 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 44.47% | 10.13% | 12.81% | 19.70% | Beats 98% | 1 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 44.47% | 10.13% | 12.81% | 19.70% | Beats 98% | 1 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.75% | 55.42% | 71.20% | 87.46% | 48th pctl | 33 / 63 | |
| Loans / Assets | 39.14% | 48.43% | 59.68% | 73.12% | 13th pctl | 55 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||