Eufaula, AL · Charter 18192
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
90
Asset Quality
3
Profitability
27
Liquidity
0
Efficiency
73
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.
Eufaula, AL · Charter 18192
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.12% | 0.18% | 0.77% | 0.53% | +44 bps | |
| Return on Equity | 0.39% | 0.55% | 0.78% | 3.35% | 2.30% | +190 bps | |
| Net Interest Margin | 1.01% | 1.04% | 1.16% | 1.71% | 1.81% | +80 bps | |
| Efficiency Ratio | 92.19% | 89.38% | 85.95% | 57.01% | 71.75% | -2,044 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.71% | -6.45% | -6.41% | -3.23% | -3.92% | +579 bps | |
| Loan Growth (YoY) | 6.41% | -0.35% | -1.14% | -4.92% | -7.06% | -1,348 bps | |
| Share Growth (YoY) | -10.36% | -6.39% | -5.69% | -4.60% | -5.48% | +487 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.61% | 7.04% | 7.90% | 6.78% | 6.71% | +110 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.90% | 21.91% | 22.61% | 22.84% | 23.02% | +112 bps | |
| Net Worth / Assets | 21.90% | 21.91% | 22.61% | 22.84% | 23.02% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.17% | 31.54% | 33.13% | 32.64% | 31.64% | -54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Eufaula, AL · Charter 18192 · 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
0.53%
Rank 33 of 60
Net Interest Margin
1.81%
Rank 60 of 60
Efficiency Ratio
71.69%
Rank 17 of 60
Equity / Assets
23.02%
Rank 6 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.02% | 0.62% | 0.99% | Beats 45% | 33 / 60 | |
| Return on Equity | 2.31% | 0.12% | 4.17% | 8.32% | Beats 35% | 39 / 60 | |
| Net Interest Margin | 1.81% | 3.36% | 3.95% | 4.45% | Beats 0% | 60 / 60 | |
| Efficiency Ratio | 71.69% | 70.09% | 78.52% | 92.77% | Beats 73% | 17 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 6.71% | 0.25% | 0.82% | 1.91% | Beats 3% | 59 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 23.02% | 11.15% | 14.35% | 19.86% | Beats 90% | 6 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 23.02% | 11.15% | 14.35% | 19.86% | Beats 90% | 6 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 31.64% | 51.31% | 60.45% | 81.20% | 2nd pctl | 59 / 60 | |
| Loans / Assets | 24.39% | 41.11% | 52.43% | 68.66% | 2nd pctl | 59 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||