Humble, TX · Charter 97112
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 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
33
Asset Quality
63
Profitability
30
Liquidity
44
Efficiency
56
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.
Humble, TX · Charter 97112
NCUA · 6 branches
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 | 0.10% | 0.06% | -0.18% | 0.14% | 0.21% | 0.27% | 0.16% | 0.26% | +12 bps | |
| Return on Equity | 0.85% | 0.52% | -1.59% | 1.21% | 1.81% | 2.36% | 1.44% | 2.25% | +103 bps | |
| Net Interest Margin | 2.54% | 2.56% | 2.64% | 2.80% | 2.88% | 2.91% | 2.96% | 2.98% | +17 bps | |
| Efficiency Ratio | 87.55% | 88.45% | 93.79% | 86.97% | 84.35% | 82.62% | 82.58% | 81.26% | -571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.18% | -0.43% | 0.79% | 2.45% | 1.54% | 1.67% | 0.56% | 2.26% | -19 bps | |
| Loan Growth (YoY) | -4.18% | -0.76% | 3.46% | -0.19% | 0.13% | -0.10% | -1.32% | 1.98% | +217 bps | |
| Share Growth (YoY) | -3.23% | -0.76% | -0.42% | 0.99% | 1.16% | -0.20% | -0.82% | 1.52% | +53 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.95% | 0.84% | 0.96% | 0.78% | 0.68% | 0.64% | 0.47% | -48 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.47% | 11.45% | 11.02% | 11.31% | 11.44% | 11.53% | 11.31% | 11.39% | +8 bps | |
| Net Worth / Assets | 11.47% | 11.45% | 11.02% | 11.31% | 11.44% | 11.53% | 11.31% | 11.39% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.20% | 57.69% | 56.36% | 57.51% | 57.61% | 57.75% | 56.07% | 57.77% | +26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.26% | 0.11% | 0.53% | 1.19% | Beats 32% | 43 / 63 | ||
| Return on Equity | 2.25% | 1.09% | 3.60% | 6.92% | Beats 37% | 39 / 62 | ||
| Net Interest Margin | 2.98% | 3.19% | 4.06% | 4.80% | Beats 21% | 50 / 63 | ||
| Efficiency Ratio | 81.26% | 72.55% | 82.57% | 90.97% | Beats 56% | 29 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.32% | 0.64% | 1.62% | Beats 63% | 24 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.39% | 10.13% | 12.81% | 19.70% | Beats 33% | 42 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.39% | 10.13% | 12.81% | 19.70% | Beats 33% | 42 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.77% | 55.42% | 71.20% | 87.46% | 29th pctl | 45 / 63 | ||
| Loans / Assets | 53.80% | 48.43% | 59.68% | 73.12% | 35th pctl | 41 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||