Houston, TX · Charter 9496
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
19
Asset Quality
3
Profitability
33
Liquidity
0
Efficiency
8
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 9496
NCUA · 1 branch
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 | -4.37% | -4.65% | -4.43% | -5.22% | -11.20% | -8.33% | -1.89% | -1.32% | +389 bps | |
| Return on Equity | -18.94% | -20.67% | -20.23% | -26.57% | -75.74% | -78.86% | -18.94% | -13.50% | +1,307 bps | |
| Net Interest Margin | 2.47% | 2.57% | 3.11% | 2.92% | 3.17% | 2.72% | 2.71% | 5.14% | +222 bps | |
| Efficiency Ratio | 273% | 277% | 241% | 277% | 449% | 402% | 168.77% | 125.42% | -15,123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.66% | -10.27% | -11.26% | -4.37% | -5.77% | -8.25% | -5.43% | -8.38% | -402 bps | |
| Loan Growth (YoY) | -13.94% | -14.41% | -11.88% | -1.30% | -4.29% | -9.77% | -19.77% | -18.80% | -1,750 bps | |
| Share Growth (YoY) | -8.84% | 22.88% | 20.87% | 8.30% | 7.93% | 3.76% | 8.41% | -3.23% | -1,153 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.17% | 4.90% | 4.73% | 23.59% | 25.66% | 5.07% | 3.37% | 26.03% | +244 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 | 0.09% | 0.21% | 0.28% | 0.46% | 0.49% | 21.42% | 24.12% | 23.29% | +2,283 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.09% | 22.52% | 21.88% | 19.63% | 14.79% | 10.56% | 9.99% | 9.78% | -984 bps | |
| Net Worth / Assets | 23.09% | 22.52% | 21.88% | 19.63% | 14.79% | 10.56% | 9.99% | 9.78% | -984 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.56% | 36.64% | 37.50% | 35.12% | 33.31% | 31.86% | 27.76% | 29.46% | -565 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 9496 · 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
-1.32%
Rank 58 of 63
Net Interest Margin
5.21%
Rank 8 of 63
Efficiency Ratio
123.61%
Rank 59 of 63
Equity / Assets
9.79%
Rank 51 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.32% | 0.11% | 0.53% | 1.19% | Beats 8% | 58 / 63 | ||
| Return on Equity | -13.48% | 1.09% | 3.60% | 6.92% | Beats 5% | 59 / 62 | ||
| Net Interest Margin | 5.21% | 3.19% | 4.06% | 4.80% | Beats 87% | 8 / 63 | ||
| Efficiency Ratio | 123.61% | 72.55% | 82.57% | 90.97% | Beats 8% | 59 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 26.06% | 0.32% | 0.64% | 1.62% | Beats 3% | 62 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.79% | 10.13% | 12.81% | 19.70% | Beats 19% | 51 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.79% | 10.13% | 12.81% | 19.70% | Beats 19% | 51 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.46% | 55.42% | 71.20% | 87.46% | 2nd pctl | 62 / 63 | ||
| Loans / Assets | 24.21% | 48.43% | 59.68% | 73.12% | 2nd pctl | 62 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||