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Southwest Financial

Farmers Branch, TX · Charter 15327

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 the Dallas-Fort Worth-Arlington, TX area3

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 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.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

67

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 2026-10-11

Southwest Financial

Farmers Branch, TX · Charter 15327

NCUA · 1 branch

Q2 2026

$85.3MAssets
$73.5MLoans
$71.3MShares
$13.0MNet Worth

Return on Assets (YTD, annualized)

0.48%+63 bps YoY

Net Interest Margin (YTD, annualized)

6.64%+21 bps YoY

Efficiency Ratio (YTD, annualized)

74.94%+61 bps YoY

Net Worth / Assets

15.20%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-0.62%-0.62%0.04%-0.15%0.12%0.37%0.31%0.48%+63 bps
Net Interest Margin5.82%5.64%6.16%6.43%6.26%6.27%6.30%6.64%+21 bps
Asset Growth (YoY)1.09%0.56%0.43%-0.82%3.15%4.23%4.17%2.99%+381 bps
Share Growth (YoY)3.15%1.89%1.34%0.39%4.47%4.76%4.43%2.38%+199 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital15.12%14.98%14.59%14.95%14.60%14.74%14.44%15.20%+25 bps
Loans / Shares104.32%104.42%101.29%104.69%102.28%101.20%97.54%103.09%-161 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 2026-10-11

Southwest Financial

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

$85.3MAssets
$73.5MLoans
$71.3MShares
$13.0MNet Worth

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.48%0.02%0.62%0.99%Beats 42%35 / 60
Net Interest Margin6.64%3.36%3.95%4.45%Beats 97%2 / 60
Nonperforming Loans / Loans0.95%0.25%0.82%1.91%Beats 45%34 / 60
Tier 1 Capital Ratio15.20%11.15%14.35%19.86%Beats 53%28 / 60
Equity / Assets15.20%11.15%14.35%19.86%Beats 53%28 / 60
Loans / Assets86.20%41.11%52.43%68.66%95th pctl3 / 60