Farmers Branch, TX · Charter 20303
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
75
Asset Quality
2
Profitability
30
Liquidity
16
Efficiency
42
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 20303
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 | 0.13% | 1.79% | -0.54% | 0.19% | 0.13% | 0.11% | 1.03% | 0.10% | -9 bps | |
| Return on Equity | 0.64% | 8.41% | -2.60% | 0.91% | 0.62% | 0.51% | 5.02% | 0.48% | -43 bps | |
| Net Interest Margin | 3.43% | 5.17% | 3.10% | 3.58% | 3.78% | 3.51% | 3.91% | 3.57% | -1 bps | |
| Efficiency Ratio | 96.34% | 68.29% | 116.21% | 90.99% | 93.69% | 94.72% | 68.55% | 83.77% | -721 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.03% | -6.82% | -7.10% | 1.54% | 1.13% | 3.92% | 4.73% | 2.99% | +145 bps | |
| Loan Growth (YoY) | -18.80% | -24.36% | -28.95% | -11.77% | -6.78% | -4.75% | 3.79% | -7.72% | +405 bps | |
| Share Growth (YoY) | -0.45% | -8.55% | -8.76% | 1.54% | 1.48% | 4.75% | 5.03% | 3.79% | +225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.22% | 10.32% | 9.20% | 3.89% | 8.03% | 11.39% | 5.62% | 6.74% | +285 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 | 0.22% | 0.14% | 0.16% | 0.25% | 0.28% | 0.44% | 0.59% | 0.46% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.09% | 21.32% | 20.91% | 20.40% | 20.90% | 20.65% | 20.41% | 19.85% | -55 bps | |
| Net Worth / Assets | 21.09% | 21.32% | 20.91% | 20.40% | 20.90% | 20.65% | 20.41% | 19.85% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.91% | 50.17% | 44.89% | 50.36% | 48.61% | 45.63% | 44.36% | 44.77% | -559 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 20303 · 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
0.08%
Rank 43 of 60
Net Interest Margin
3.58%
Rank 39 of 60
Efficiency Ratio
83.33%
Rank 36 of 60
Equity / Assets
19.86%
Rank 15 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.08% | 0.02% | 0.62% | 0.99% | Beats 28% | 43 / 60 | ||
| Return on Equity | 0.39% | 0.12% | 4.17% | 8.32% | Beats 28% | 43 / 60 | ||
| Net Interest Margin | 3.58% | 3.36% | 3.95% | 4.45% | Beats 35% | 39 / 60 | ||
| Efficiency Ratio | 83.33% | 70.09% | 78.52% | 92.77% | Beats 42% | 36 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.75% | 0.25% | 0.82% | 1.91% | Beats 2% | 60 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.86% | 11.15% | 14.35% | 19.86% | Beats 75% | 15 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.86% | 11.15% | 14.35% | 19.86% | Beats 75% | 15 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.78% | 51.31% | 60.45% | 81.20% | 15th pctl | 51 / 60 | ||
| Loans / Assets | 35.88% | 41.11% | 52.43% | 68.66% | 13th pctl | 52 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||