PackageTrendsPeer
Letter portraitLegal landscape

Scurry County School

Snyder, TX · Charter 10551

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in TX3

Basis

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.

Peer group

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.

Peer standing

Capital

47

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

1

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

0

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Scurry County School

Snyder, TX · Charter 10551

NCUA · 1 branch

Q2 2026

$13.2MAssets
$7.3MLoans
$11.4MShares
$1.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.83%, down 470 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.53% of loans (-15 bps YoY).
  • Capital: net worth / assets of 13.89%, down 411 bps from a year ago.
  • Funding: loans stand at 63.93% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-4.83%-470 bps YoY

Net Interest Margin (YTD, annualized)

2.40%-24 bps YoY

Efficiency Ratio (YTD, annualized)

134.12%+2,924 bps YoY

Net Worth / Assets

13.89%-411 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.14%0.00%0.31%-2.22%-4.83%-470 bps
Return on Equity-0.77%-0.02%1.76%-13.18%-34.79%-3,403 bps
Net Interest Margin2.64%2.73%2.86%2.25%2.40%-24 bps
Efficiency Ratio104.88%100.14%91.99%160.97%134.12%+2,924 bps
Growth
Asset Growth (YoY)4.04%7.30%10.42%11.15%13.75%+971 bps
Loan Growth (YoY)19.39%16.44%10.58%12.16%8.53%-1,085 bps
Share Growth (YoY)5.26%10.51%12.58%12.94%18.92%+1,366 bps
Asset Quality
Delinquent Loans / Loans0.69%0.70%0.58%0.70%0.53%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.00%18.22%17.81%16.85%13.89%-411 bps
Net Worth / Assets18.00%18.22%17.81%16.85%13.89%-411 bps
Liquidity & Funding
Loans / Shares70.04%72.29%68.14%67.97%63.93%-612 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Scurry County School

Snyder, TX · Charter 10551 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 1 branch

Q2 2026

$13.2MAssets
$7.3MLoans
$11.4MShares
$1.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 53% of credit unions under $1B in assets in TX (rank 111 of 235).
  • Widest gap: efficiency ratio trails 100% of credit unions under $1B in assets in TX (rank 235 of 235).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-4.84%

Rank 235 of 235

Net Interest Margin

2.40%

Rank 231 of 235

Efficiency Ratio

133.75%

Rank 235 of 235

Equity / Assets

13.89%

Rank 125 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-4.84%0.17%0.57%1.10%Beats 0%235 / 235
Return on Equity-34.80%1.03%4.30%7.58%Beats 0%235 / 235
Net Interest Margin2.40%3.32%3.89%4.35%Beats 2%231 / 235
Efficiency Ratio133.75%70.60%82.00%91.57%Beats 0%235 / 235
Asset Quality
Nonperforming Loans / Loans0.54%0.20%0.59%1.14%Beats 53%111 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.89%11.30%14.41%19.49%Beats 47%125 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.89%11.30%14.41%19.49%Beats 47%125 / 235
Liquidity & Funding
Loans / Deposits63.93%54.18%67.38%81.66%42nd pctl136 / 235
Loans / Assets54.96%43.80%56.63%68.64%46th pctl128 / 235
Brokered Deposits / Depositsn/aNot reported for this institution