McGregor, TX · Charter 9799
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 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
14
Asset Quality
10
Profitability
36
Liquidity
23
Efficiency
10
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.
McGregor, TX · Charter 9799
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 | -0.03% | -2.00% | 0.04% | 0.02% | 0.08% | 0.00% | 0.06% | -0.09% | -11 bps | |
| Return on Equity | -0.22% | -20.74% | 0.42% | 0.16% | 0.79% | 0.01% | 0.59% | -0.93% | -109 bps | |
| Net Interest Margin | 3.68% | 3.67% | 3.53% | 3.64% | 3.90% | 4.09% | 4.44% | 4.63% | +98 bps | |
| Efficiency Ratio | 103.27% | 131.05% | 104.71% | 102.43% | 100.17% | 101.32% | 97.46% | 100.88% | -155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.29% | -2.51% | -5.20% | -5.46% | -3.47% | -4.14% | -1.64% | -4.34% | +112 bps | |
| Loan Growth (YoY) | -12.28% | -15.13% | -13.81% | -6.05% | -4.81% | 1.53% | 0.22% | -3.16% | +289 bps | |
| Share Growth (YoY) | -7.78% | -0.86% | -3.10% | -3.06% | -1.72% | -3.80% | -2.40% | -3.99% | -93 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.05% | 2.30% | 1.49% | 0.79% | 1.45% | 1.87% | 2.47% | 2.40% | +162 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 | 11.46% | 9.66% | 9.63% | 9.69% | 9.71% | 9.87% | 9.59% | 9.86% | +18 bps | |
| Net Worth / Assets | 11.46% | 9.66% | 9.63% | 9.69% | 9.71% | 9.87% | 9.59% | 9.86% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.92% | 80.08% | 79.24% | 85.18% | 82.25% | 84.53% | 81.37% | 85.92% | +73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
McGregor, TX · Charter 9799 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.09%
Rank 205 of 235
Net Interest Margin
4.62%
Rank 39 of 235
Efficiency Ratio
101.00%
Rank 213 of 235
Equity / Assets
9.86%
Rank 201 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.09% | 0.17% | 0.57% | 1.10% | Beats 13% | 205 / 235 | ||
| Return on Equity | -0.93% | 1.03% | 4.30% | 7.58% | Beats 11% | 209 / 235 | ||
| Net Interest Margin | 4.62% | 3.32% | 3.89% | 4.35% | Beats 83% | 39 / 235 | ||
| Efficiency Ratio | 101.00% | 70.60% | 82.00% | 91.57% | Beats 10% | 213 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.40% | 0.20% | 0.59% | 1.14% | Beats 10% | 213 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.86% | 11.30% | 14.41% | 19.49% | Beats 14% | 201 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.86% | 11.30% | 14.41% | 19.49% | Beats 14% | 201 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.91% | 54.18% | 67.38% | 81.66% | 81st pctl | 45 / 235 | ||
| Loans / Assets | 75.60% | 43.80% | 56.63% | 68.64% | 88th pctl | 28 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||