| Metric | Texas Bay Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.8% | -1.0 pts |
| Share growth (YoY) | +4.0% | +4.3% | -0.3 pts |
| Loan growth (YoY) | +6.3% | +4.3% | +1.9 pts |
| ROA | 0.17% | 0.62% | -0.4 pts |
| ROE | 2.2% | 5.9% | -3.7 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $902.2M | $758.6M | $682.1M | $69.2M | $389K | 0.17% | 3.55% | 0.64% | 61,095 |
| Q4 2025 | $890.7M | $742.9M | $682.4M | $68.8M | $5.8M | 0.66% | 3.67% | 0.67% | 60,529 |
| Q3 2025 | $874.9M | $726.1M | $683.0M | $66.4M | $3.4M | 0.52% | 3.72% | 0.87% | 60,104 |
| Q2 2025 | $873.5M | $733.9M | $669.4M | $66.3M | $2.3M | 0.52% | 3.66% | 0.79% | 60,598 |
| Q1 2025 | $869.3M | $729.6M | $641.9M | $67.4M | $1.0M | 0.47% | 3.61% | 0.89% | 59,580 |
| Q4 2024 | $854.2M | $706.4M | $614.2M | $72.4M | $1.8M | 0.22% | 3.80% | 1.08% | 58,306 |
| Q3 2024 | $841.5M | $691.4M | $597.3M | $66.8M | $334K | 0.05% | 3.84% | 0.96% | 57,572 |
| Q2 2024 | $801.6M | $656.7M | $579.1M | $68.1M | $-563K | -0.14% | 3.97% |
| Ratio | Texas Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.62% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.01% |
| 57,093 |
Loan mix (Q1 2026): real estate $284.1M · commercial $5.5M · consumer $385.0M · securities $107.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 78.3% | 80th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Texas Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Texas Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Texas Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Texas Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
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