Texarkana, TX · Charter 1
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
29
Asset Quality
57
Profitability
78
Liquidity
51
Efficiency
72
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.
Texarkana, TX · Charter 1
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 | 0.76% | 0.71% | -0.12% | 0.33% | 0.72% | 0.67% | 0.95% | 1.12% | +79 bps | |
| Return on Equity | 6.36% | 6.12% | -1.11% | 2.96% | 6.31% | 6.04% | 8.47% | 9.60% | +664 bps | |
| Net Interest Margin | 3.91% | 3.69% | 3.86% | 3.69% | 3.80% | 3.57% | 4.03% | 4.28% | +59 bps | |
| Efficiency Ratio | 78.34% | 79.77% | 81.45% | 80.42% | 80.12% | 81.28% | 78.52% | 72.75% | -767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | 7.12% | 12.47% | 14.72% | 11.01% | 12.49% | 6.36% | 3.74% | -1,098 bps | |
| Loan Growth (YoY) | -5.20% | -1.74% | 1.95% | 1.95% | -1.40% | -4.59% | 0.05% | 2.66% | +71 bps | |
| Share Growth (YoY) | 0.28% | 7.22% | 13.33% | 15.88% | 11.63% | 13.23% | 6.31% | 3.26% | -1,262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.89% | 0.15% | 0.54% | 0.40% | 0.69% | 0.51% | 0.45% | -9 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 | 11.93% | 11.66% | 11.16% | 11.22% | 11.42% | 11.01% | 11.21% | 11.64% | +43 bps | |
| Net Worth / Assets | 11.93% | 11.66% | 11.16% | 11.22% | 11.42% | 11.01% | 11.21% | 11.64% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.92% | 87.64% | 81.71% | 79.53% | 78.54% | 73.84% | 76.90% | 79.07% | -46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Texarkana, TX · Charter 1 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.12%
Rank 57 of 235
Net Interest Margin
4.30%
Rank 61 of 235
Efficiency Ratio
72.64%
Rank 67 of 235
Equity / Assets
11.64%
Rank 168 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.17% | 0.57% | 1.10% | Beats 76% | 57 / 235 | ||
| Return on Equity | 9.62% | 1.03% | 4.30% | 7.58% | Beats 84% | 38 / 235 | ||
| Net Interest Margin | 4.30% | 3.32% | 3.89% | 4.35% | Beats 74% | 61 / 235 | ||
| Efficiency Ratio | 72.64% | 70.60% | 82.00% | 91.57% | Beats 72% | 67 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.20% | 0.59% | 1.14% | Beats 57% | 101 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.64% | 11.30% | 14.41% | 19.49% | Beats 29% | 168 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.64% | 11.30% | 14.41% | 19.49% | Beats 29% | 168 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.07% | 54.18% | 67.38% | 81.66% | 71st pctl | 68 / 235 | ||
| Loans / Assets | 69.84% | 43.80% | 56.63% | 68.64% | 77th pctl | 53 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||