Openland Credit Union
League City, TX·Charter 60608·cu:60608·CCULR opted in
- #57 of 380Total assets in Texas
- 43.9Kmembers
- #1 of 141Net interest margin in Texas
- Top 3%Fee income vs. peers
- #10 of 222Share growth in Texas
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Openland Credit Union
8 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter1.43%peers 1.45%-3 bps
Openland Credit Union's cost of shares and deposits has not eased the way it has at similar credit unions, while more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 1.43% | 1.45% | -3 bps |
| Certificates' share of shares | ||
| 31.4% | 25.9% | +5.4 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Openland Credit Union itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal 2nd quarter5.44%peers 3.67%+178 bps
Openland Credit Union's net interest margin lagged similar credit unions as its cost of shares and deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 5.44% | 3.67% | +178 bps |
| Cost of all shares and deposits | ||
| 1.43% | 1.45% | -3 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Openland Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar credit unionsStrength: Earnings 2nd quarter2.96%peers 1.17%+179 bps
Openland Credit Union's noninterest income relative to average assets was 2.96%, compared with a median of 1.17% among 566 similar credit unions: higher than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 2.96% | 1.17% | +179 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Openland Credit Union itself is left out of every peer median and percentile. How signals work
5 more observations
- Reliance on share certificates rising faster than peersFunding
- Net interest margin narrowing while the peer median widensEarnings
- Share and deposit costs rising while the peer median fallsFunding
- Return on assets falling while the peer median risesEarnings
- Shares and deposits growing faster than peersFunding
Key facts
- Openland Credit Union is a state-chartered credit union headquartered in League City, Texas. It reported $588 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $520 million, up 11.3% from a year earlier, and loans totaled $463 million, up 5.4%.
- Its net interest margin on average assets was 5.44% and its annualized return on assets was 0.39% for the quarter.
- Its cost of all shares and deposits was 1.43%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 43,893 members, up 0.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Openland Credit Union's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Openland Credit Union · Credit union
- NCUA charter
- 60608
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Openland Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $577.76K | |
| $9.84M | |
| $1.85M | |
| $7.99M | |
| $4.35M | |
| $8.87M | |
| $2.89M | |
| $2.89M | |
| 0.39% | |
| 5.44% | |
| 71.88% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.