Port Neches, TX · Charter 97089
NCUA · 6 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
17
Asset Quality
72
Profitability
41
Liquidity
88
Efficiency
33
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.
Port Neches, TX · Charter 97089
NCUA · 6 branches
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 | 0.27% | 0.35% | 0.33% | 0.42% | 0.49% | +21 bps | |
| Return on Equity | 2.60% | 3.31% | 3.22% | 4.19% | 4.81% | +221 bps | |
| Net Interest Margin | 3.26% | 3.36% | 3.30% | 3.27% | 3.34% | +8 bps | |
| Efficiency Ratio | 91.23% | 90.85% | 90.61% | 90.82% | 87.98% | -325 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.08% | 5.59% | 10.27% | 9.18% | 7.49% | +42 bps | |
| Loan Growth (YoY) | 3.27% | 5.85% | 7.63% | 7.13% | 6.59% | +332 bps | |
| Share Growth (YoY) | 5.32% | 4.11% | 7.45% | 6.73% | 6.52% | +120 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.41% | 0.51% | 0.18% | 0.29% | -17 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 | 10.40% | 10.61% | 10.36% | 10.05% | 10.10% | -31 bps | |
| Net Worth / Assets | 10.40% | 10.61% | 10.36% | 10.05% | 10.10% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.11% | 72.23% | 71.26% | 67.65% | 70.15% | +4 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Port Neches, TX · Charter 97089 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 6 branches
Q2 2026
Return on Assets
0.49%
Rank 129 of 235
Net Interest Margin
3.34%
Rank 176 of 235
Efficiency Ratio
87.98%
Rank 159 of 235
Equity / Assets
10.10%
Rank 196 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.17% | 0.57% | 1.10% | Beats 45% | 129 / 235 | |
| Return on Equity | 4.81% | 1.03% | 4.30% | 7.58% | Beats 54% | 108 / 235 | |
| Net Interest Margin | 3.34% | 3.32% | 3.89% | 4.35% | Beats 25% | 176 / 235 | |
| Efficiency Ratio | 87.98% | 70.60% | 82.00% | 91.57% | Beats 33% | 159 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.20% | 0.59% | 1.14% | Beats 72% | 67 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.10% | 11.30% | 14.41% | 19.49% | Beats 17% | 196 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.10% | 11.30% | 14.41% | 19.49% | Beats 17% | 196 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.15% | 54.18% | 67.38% | 81.66% | 54th pctl | 108 / 235 | |
| Loans / Assets | 61.32% | 43.80% | 56.63% | 68.64% | 60th pctl | 93 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||