Palestine, TX · Charter 9880
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
68
Asset Quality
11
Profitability
76
Liquidity
0
Efficiency
93
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.
Palestine, TX · Charter 9880
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 | 1.77% | 1.99% | 1.67% | 1.77% | 1.30% | 1.70% | 1.94% | 1.73% | -4 bps | |
| Return on Equity | 11.00% | 12.20% | 10.27% | 10.55% | 7.61% | 10.14% | 11.55% | 10.06% | -49 bps | |
| Net Interest Margin | 4.52% | 4.48% | 4.39% | 4.36% | 4.29% | 4.08% | 3.88% | 3.91% | -45 bps | |
| Efficiency Ratio | 51.04% | 50.88% | 55.74% | 55.26% | 64.82% | 56.23% | 56.56% | 59.35% | +409 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.36% | 4.12% | 4.93% | 3.48% | 5.71% | 8.51% | 8.13% | 8.05% | +458 bps | |
| Loan Growth (YoY) | -2.66% | 5.41% | 11.59% | 5.60% | 13.66% | 7.32% | 5.51% | 11.50% | +590 bps | |
| Share Growth (YoY) | 1.49% | 2.57% | 2.92% | 1.79% | 4.38% | 7.53% | 7.93% | 7.68% | +589 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.01% | 1.80% | 0.85% | 0.75% | 1.10% | 2.25% | 2.32% | +147 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 | 16.05% | 16.33% | 16.30% | 16.80% | 17.03% | 16.73% | 16.81% | 17.24% | +44 bps | |
| Net Worth / Assets | 16.05% | 16.33% | 16.30% | 16.80% | 17.03% | 16.73% | 16.81% | 17.24% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.85% | 37.93% | 39.10% | 38.79% | 40.13% | 37.86% | 38.22% | 40.16% | +137 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Palestine, TX · Charter 9880 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.73%
Rank 18 of 235
Net Interest Margin
3.90%
Rank 115 of 235
Efficiency Ratio
59.31%
Rank 17 of 235
Equity / Assets
17.24%
Rank 76 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.73% | 0.17% | 0.57% | 1.10% | Beats 92% | 18 / 235 | ||
| Return on Equity | 10.06% | 1.03% | 4.30% | 7.58% | Beats 86% | 34 / 235 | ||
| Net Interest Margin | 3.90% | 3.32% | 3.89% | 4.35% | Beats 51% | 115 / 235 | ||
| Efficiency Ratio | 59.31% | 70.60% | 82.00% | 91.57% | Beats 93% | 17 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.32% | 0.20% | 0.59% | 1.14% | Beats 11% | 211 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.24% | 11.30% | 14.41% | 19.49% | Beats 68% | 76 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.24% | 11.30% | 14.41% | 19.49% | Beats 68% | 76 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.16% | 54.18% | 67.38% | 81.66% | 9th pctl | 214 / 235 | ||
| Loans / Assets | 33.20% | 43.80% | 56.63% | 68.64% | 11th pctl | 210 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||