Paris, TX · Charter 14170
NCUA · 2 branches
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
50
Asset Quality
60
Profitability
37
Liquidity
0
Efficiency
39
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.
Paris, TX · Charter 14170
NCUA · 2 branches
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 | 1.38% | 1.36% | 0.89% | 0.76% | 0.69% | 0.67% | 0.31% | 0.50% | -25 bps | |
| Return on Equity | 10.07% | 9.56% | 6.23% | 5.29% | 4.83% | 4.69% | 2.25% | 3.49% | -180 bps | |
| Net Interest Margin | 3.89% | 3.95% | 3.67% | 3.59% | 3.53% | 3.45% | 3.00% | 3.29% | -29 bps | |
| Efficiency Ratio | 67.04% | 68.05% | 77.65% | 80.40% | 81.50% | 81.46% | 89.94% | 85.42% | +502 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | -3.32% | -3.90% | -1.66% | 0.79% | 4.84% | 5.77% | 2.60% | +425 bps | |
| Loan Growth (YoY) | -12.85% | -14.01% | -13.90% | -16.42% | -18.98% | -19.99% | -20.77% | -5.65% | +1,077 bps | |
| Share Growth (YoY) | -1.77% | -5.19% | -5.82% | -3.15% | -0.43% | 4.91% | 5.54% | 2.01% | +516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 1.00% | 0.32% | 0.18% | 0.36% | 0.96% | 0.16% | 0.43% | +26 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 | 13.67% | 14.27% | 14.25% | 14.32% | 14.32% | 14.22% | 13.95% | 14.45% | +13 bps | |
| Net Worth / Assets | 13.67% | 14.27% | 14.25% | 14.32% | 14.32% | 14.22% | 13.95% | 14.45% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.23% | 27.82% | 26.71% | 24.59% | 22.97% | 21.21% | 20.05% | 22.75% | -185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Paris, TX · Charter 14170 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.50%
Rank 127 of 235
Net Interest Margin
3.29%
Rank 181 of 235
Efficiency Ratio
85.48%
Rank 144 of 235
Equity / Assets
14.45%
Rank 117 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.17% | 0.57% | 1.10% | Beats 46% | 127 / 235 | ||
| Return on Equity | 3.47% | 1.03% | 4.30% | 7.58% | Beats 43% | 133 / 235 | ||
| Net Interest Margin | 3.29% | 3.32% | 3.89% | 4.35% | Beats 23% | 181 / 235 | ||
| Efficiency Ratio | 85.48% | 70.60% | 82.00% | 91.57% | Beats 39% | 144 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.20% | 0.59% | 1.14% | Beats 60% | 95 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.45% | 11.30% | 14.41% | 19.49% | Beats 50% | 117 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.45% | 11.30% | 14.41% | 19.49% | Beats 50% | 117 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 22.75% | 54.18% | 67.38% | 81.66% | 1st pctl | 232 / 235 | ||
| Loans / Assets | 19.31% | 43.80% | 56.63% | 68.64% | 2nd pctl | 231 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||