Dumas, TX · Charter 11458
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
35
Asset Quality
15
Profitability
62
Liquidity
69
Efficiency
46
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.
Dumas, TX · Charter 11458
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 | -1.14% | -0.64% | -0.25% | -0.33% | -0.13% | -0.16% | -0.19% | 0.71% | +104 bps | |
| Return on Equity | -12.61% | -6.04% | -2.32% | -3.13% | -1.26% | -1.33% | -1.52% | 5.67% | +880 bps | |
| Net Interest Margin | 1.70% | 2.25% | 3.38% | 3.41% | 3.26% | 3.75% | 4.38% | 4.12% | +71 bps | |
| Efficiency Ratio | 164.27% | 127.54% | 107.09% | 109.55% | 103.96% | 104.16% | 103.00% | 83.10% | -2,645 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.48% | -21.42% | -19.14% | -16.28% | -11.83% | -12.21% | -14.99% | -16.33% | -5 bps | |
| Loan Growth (YoY) | -0.02% | 1.55% | 11.66% | 12.33% | -4.69% | -7.25% | -13.76% | -18.24% | -3,057 bps | |
| Share Growth (YoY) | -12.82% | -23.08% | -20.54% | -17.74% | -13.09% | -13.67% | -16.78% | -18.21% | -47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.45% | 2.99% | 0.27% | 0.08% | 1.65% | 0.29% | 1.92% | +165 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 | 1.71% | 1.72% | 1.49% | 1.33% | 1.29% | 1.30% | 0.82% | 0.79% | -54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.03% | 10.62% | 10.56% | 10.62% | 10.47% | 11.94% | 12.28% | 12.44% | +182 bps | |
| Net Worth / Assets | 9.03% | 10.62% | 10.56% | 10.62% | 10.47% | 11.94% | 12.28% | 12.44% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.91% | 72.98% | 73.79% | 74.90% | 70.08% | 78.41% | 76.46% | 74.88% | -2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dumas, TX · Charter 11458 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.71%
Rank 104 of 235
Net Interest Margin
4.14%
Rank 74 of 235
Efficiency Ratio
83.02%
Rank 127 of 235
Equity / Assets
12.45%
Rank 152 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.17% | 0.57% | 1.10% | Beats 56% | 104 / 235 | ||
| Return on Equity | 5.70% | 1.03% | 4.30% | 7.58% | Beats 61% | 91 / 235 | ||
| Net Interest Margin | 4.14% | 3.32% | 3.89% | 4.35% | Beats 69% | 74 / 235 | ||
| Efficiency Ratio | 83.02% | 70.60% | 82.00% | 91.57% | Beats 46% | 127 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.91% | 0.20% | 0.59% | 1.14% | Beats 15% | 201 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.45% | 11.30% | 14.41% | 19.49% | Beats 35% | 152 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.45% | 11.30% | 14.41% | 19.49% | Beats 35% | 152 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.89% | 54.18% | 67.38% | 81.66% | 65th pctl | 83 / 235 | ||
| Loans / Assets | 64.91% | 43.80% | 56.63% | 68.64% | 70th pctl | 70 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||