Farmers Branch, TX · Charter 15327
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 the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
45
Profitability
60
Liquidity
0
Efficiency
67
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.
Farmers Branch, TX · Charter 15327
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 | -0.62% | -0.62% | 0.04% | -0.15% | 0.12% | 0.37% | 0.31% | 0.48% | +63 bps | |
| Return on Equity | -4.09% | -4.14% | 0.29% | -0.98% | 0.82% | 2.51% | 2.17% | 3.17% | +415 bps | |
| Net Interest Margin | 5.82% | 5.64% | 6.16% | 6.43% | 6.26% | 6.27% | 6.30% | 6.64% | +21 bps | |
| Efficiency Ratio | 84.78% | 84.45% | 74.92% | 74.33% | 73.71% | 73.98% | 75.39% | 74.94% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 0.56% | 0.43% | -0.82% | 3.15% | 4.23% | 4.17% | 2.99% | +381 bps | |
| Loan Growth (YoY) | 5.65% | 4.05% | 4.41% | 2.08% | 2.43% | 1.53% | 0.56% | 0.81% | -127 bps | |
| Share Growth (YoY) | 3.15% | 1.89% | 1.34% | 0.39% | 4.47% | 4.76% | 4.43% | 2.38% | +199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.90% | 1.69% | 1.23% | 1.58% | 1.77% | 1.16% | 0.95% | -28 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 | 15.12% | 14.98% | 14.59% | 14.95% | 14.60% | 14.74% | 14.44% | 15.20% | +25 bps | |
| Net Worth / Assets | 15.12% | 14.98% | 14.59% | 14.95% | 14.60% | 14.74% | 14.44% | 15.20% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.32% | 104.42% | 101.29% | 104.69% | 102.28% | 101.20% | 97.54% | 103.09% | -161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Farmers Branch, TX · Charter 15327 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.48%
Rank 35 of 60
Net Interest Margin
6.64%
Rank 2 of 60
Efficiency Ratio
74.93%
Rank 21 of 60
Equity / Assets
15.20%
Rank 28 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.02% | 0.62% | 0.99% | Beats 42% | 35 / 60 | ||
| Return on Equity | 3.18% | 0.12% | 4.17% | 8.32% | Beats 40% | 36 / 60 | ||
| Net Interest Margin | 6.64% | 3.36% | 3.95% | 4.45% | Beats 97% | 2 / 60 | ||
| Efficiency Ratio | 74.93% | 70.09% | 78.52% | 92.77% | Beats 67% | 21 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.25% | 0.82% | 1.91% | Beats 45% | 34 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.20% | 11.15% | 14.35% | 19.86% | Beats 53% | 28 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.20% | 11.15% | 14.35% | 19.86% | Beats 53% | 28 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.09% | 51.31% | 60.45% | 81.20% | 97th pctl | 2 / 60 | ||
| Loans / Assets | 86.20% | 41.11% | 52.43% | 68.66% | 95th pctl | 3 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||