Tyler, TX · Charter 10481
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
56
Asset Quality
36
Profitability
9
Liquidity
76
Efficiency
5
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.
Tyler, TX · Charter 10481
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.34% | 0.25% | -0.35% | -0.14% | -61 bps | |
| Return on Equity | 3.06% | 2.21% | 1.59% | -2.37% | -0.92% | -398 bps | |
| Net Interest Margin | 2.62% | 2.68% | 2.61% | 2.44% | 2.57% | -5 bps | |
| Efficiency Ratio | 90.24% | 92.07% | 95.47% | 116.97% | 109.28% | +1,904 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.80% | -7.75% | -6.62% | -1.75% | 1.17% | +697 bps | |
| Loan Growth (YoY) | -12.77% | -17.27% | -18.66% | -16.07% | -16.90% | -413 bps | |
| Share Growth (YoY) | -7.71% | -9.17% | -7.49% | -2.06% | 1.90% | +961 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.41% | 1.09% | 1.07% | 0.28% | 0.78% | -63 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.30% | 15.57% | 15.42% | 14.88% | 15.06% | -24 bps | |
| Net Worth / Assets | 15.30% | 15.57% | 15.42% | 14.88% | 15.06% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.84% | 70.88% | 66.16% | 62.57% | 61.04% | -1,380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tyler, TX · Charter 10481 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.14%
Rank 206 of 235
Net Interest Margin
2.58%
Rank 226 of 235
Efficiency Ratio
109.18%
Rank 224 of 235
Equity / Assets
15.06%
Rank 104 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.17% | 0.57% | 1.10% | Beats 12% | 206 / 235 | |
| Return on Equity | -0.91% | 1.03% | 4.30% | 7.58% | Beats 12% | 207 / 235 | |
| Net Interest Margin | 2.58% | 3.32% | 3.89% | 4.35% | Beats 4% | 226 / 235 | |
| Efficiency Ratio | 109.18% | 70.60% | 82.00% | 91.57% | Beats 5% | 224 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 0.20% | 0.59% | 1.14% | Beats 36% | 151 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.06% | 11.30% | 14.41% | 19.49% | Beats 56% | 104 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.06% | 11.30% | 14.41% | 19.49% | Beats 56% | 104 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.04% | 54.18% | 67.38% | 81.66% | 37th pctl | 148 / 235 | |
| Loans / Assets | 52.54% | 43.80% | 56.63% | 68.64% | 42nd pctl | 137 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||