Evadale, TX · Charter 97098
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
27
Asset Quality
78
Profitability
69
Liquidity
59
Efficiency
63
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.
Evadale, TX · Charter 97098
NCUA · 5 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 | 0.74% | 0.94% | 1.07% | 1.05% | 1.10% | +35 bps | |
| Return on Equity | 6.71% | 8.26% | 9.36% | 9.35% | 9.52% | +281 bps | |
| Net Interest Margin | 3.86% | 3.94% | 3.89% | 3.79% | 3.88% | +2 bps | |
| Efficiency Ratio | 76.09% | 75.35% | 74.55% | 76.09% | 76.24% | +15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.11% | 5.50% | 6.54% | 8.14% | 7.30% | +319 bps | |
| Loan Growth (YoY) | -6.24% | -6.02% | -2.84% | -1.72% | 2.62% | +886 bps | |
| Share Growth (YoY) | 3.68% | 4.93% | 6.36% | 7.52% | 6.71% | +303 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.18% | 0.12% | 0.24% | 0.16% | +2 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 | 11.09% | 11.43% | 11.47% | 11.19% | 11.54% | +45 bps | |
| Net Worth / Assets | 11.09% | 11.43% | 11.47% | 11.19% | 11.54% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.00% | 58.54% | 57.98% | 54.06% | 56.74% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Evadale, TX · Charter 97098 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
Return on Assets
1.10%
Rank 59 of 235
Net Interest Margin
3.89%
Rank 118 of 235
Efficiency Ratio
76.25%
Rank 89 of 235
Equity / Assets
11.54%
Rank 171 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.17% | 0.57% | 1.10% | Beats 75% | 59 / 235 | |
| Return on Equity | 9.51% | 1.03% | 4.30% | 7.58% | Beats 83% | 39 / 235 | |
| Net Interest Margin | 3.89% | 3.32% | 3.89% | 4.35% | Beats 50% | 118 / 235 | |
| Efficiency Ratio | 76.25% | 70.60% | 82.00% | 91.57% | Beats 63% | 89 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.20% | 0.59% | 1.14% | Beats 78% | 52 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.54% | 11.30% | 14.41% | 19.49% | Beats 27% | 171 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.54% | 11.30% | 14.41% | 19.49% | Beats 27% | 171 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.74% | 54.18% | 67.38% | 81.66% | 29th pctl | 167 / 235 | |
| Loans / Assets | 49.81% | 43.80% | 56.63% | 68.64% | 35th pctl | 152 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||