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Investex

Humble, TX · Charter 97112

NCUA · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

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.

Peer group

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.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Investex

Humble, TX · Charter 97112

NCUA · 6 branches

Q2 2026

$245.4MAssets
$132.1MLoans
$228.6MShares
$27.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.26%, up 12 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.47% of loans (-48 bps YoY).
  • Capital: net worth / assets of 11.39%, up 8 bps from a year ago.
  • Funding: loans stand at 57.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.26%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+17 bps YoY

Efficiency Ratio (YTD, annualized)

81.26%-571 bps YoY

Net Worth / Assets

11.39%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.21%0.27%0.16%0.26%+12 bps
Return on Equity1.21%1.81%2.36%1.44%2.25%+103 bps
Net Interest Margin2.80%2.88%2.91%2.96%2.98%+17 bps
Efficiency Ratio86.97%84.35%82.62%82.58%81.26%-571 bps
Growth
Asset Growth (YoY)2.45%1.54%1.67%0.56%2.26%-19 bps
Loan Growth (YoY)-0.19%0.13%-0.10%-1.32%1.98%+217 bps
Share Growth (YoY)0.99%1.16%-0.20%-0.82%1.52%+53 bps
Asset Quality
Delinquent Loans / Loans0.96%0.78%0.68%0.64%0.47%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.31%11.44%11.53%11.31%11.39%+8 bps
Net Worth / Assets11.31%11.44%11.53%11.31%11.39%+8 bps
Liquidity & Funding
Loans / Shares57.51%57.61%57.75%56.07%57.77%+26 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Investex

Humble, TX · Charter 97112 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)

NCUA · 6 branches

Q2 2026

$245.4MAssets
$132.1MLoans
$228.6MShares
$27.9MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 63% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 24 of 63).
  • Widest gap: net interest margin trails 79% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 50 of 63).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.26%

Rank 43 of 63

Net Interest Margin

2.98%

Rank 50 of 63

Efficiency Ratio

81.26%

Rank 29 of 63

Equity / Assets

11.39%

Rank 42 of 63

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.26%0.11%0.53%1.19%Beats 32%43 / 63
Return on Equity2.25%1.09%3.60%6.92%Beats 37%39 / 62
Net Interest Margin2.98%3.19%4.06%4.80%Beats 21%50 / 63
Efficiency Ratio81.26%72.55%82.57%90.97%Beats 56%29 / 63
Asset Quality
Nonperforming Loans / Loans0.47%0.32%0.64%1.62%Beats 63%24 / 63
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.39%10.13%12.81%19.70%Beats 33%42 / 63
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.39%10.13%12.81%19.70%Beats 33%42 / 63
Liquidity & Funding
Loans / Deposits57.77%55.42%71.20%87.46%29th pctl45 / 63
Loans / Assets53.80%48.43%59.68%73.12%35th pctl41 / 63
Brokered Deposits / Depositsn/aNot reported for this institution