Fort Worth, TX · Charter 20990
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
85
Asset Quality
85
Profitability
28
Liquidity
16
Efficiency
13
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.
Fort Worth, TX · Charter 20990
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 | 0.27% | 0.23% | -0.09% | -0.08% | 0.02% | 0.04% | -0.30% | -0.19% | -11 bps | |
| Return on Equity | 1.27% | 1.04% | -0.42% | -0.38% | 0.10% | 0.20% | -1.40% | -0.87% | -49 bps | |
| Net Interest Margin | 3.42% | 3.59% | 3.41% | 3.74% | 3.93% | 4.00% | 3.76% | 3.87% | +13 bps | |
| Efficiency Ratio | 88.94% | 90.41% | 95.13% | 95.32% | 92.92% | 93.49% | 99.75% | 98.99% | +367 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.00% | -1.64% | -3.09% | -6.94% | -4.80% | -2.26% | -4.39% | -1.23% | +572 bps | |
| Loan Growth (YoY) | -10.90% | -15.13% | -12.81% | -11.25% | -10.48% | -6.51% | -4.25% | -2.44% | +882 bps | |
| Share Growth (YoY) | -2.41% | -2.52% | -3.99% | -8.73% | -6.17% | -2.88% | -5.40% | -1.37% | +736 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.17% | 0.11% | 0.40% | 0.26% | 0.26% | 0.30% | 0.07% | -34 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 | 21.20% | 21.87% | 20.56% | 21.48% | 22.26% | 22.38% | 21.45% | 21.70% | +22 bps | |
| Net Worth / Assets | 21.20% | 21.87% | 20.56% | 21.48% | 22.26% | 22.38% | 21.45% | 21.70% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.08% | 91.06% | 82.60% | 85.57% | 88.80% | 87.65% | 83.61% | 84.64% | -93 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Worth, TX · Charter 20990 · 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
-0.19%
Rank 49 of 60
Net Interest Margin
3.87%
Rank 32 of 60
Efficiency Ratio
98.94%
Rank 53 of 60
Equity / Assets
21.69%
Rank 9 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.19% | 0.02% | 0.62% | 0.99% | Beats 18% | 49 / 60 | ||
| Return on Equity | -0.86% | 0.12% | 4.17% | 8.32% | Beats 18% | 49 / 60 | ||
| Net Interest Margin | 3.87% | 3.36% | 3.95% | 4.45% | Beats 47% | 32 / 60 | ||
| Efficiency Ratio | 98.94% | 70.09% | 78.52% | 92.77% | Beats 13% | 53 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.25% | 0.82% | 1.91% | Beats 85% | 10 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.69% | 11.15% | 14.35% | 19.86% | Beats 85% | 9 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.69% | 11.15% | 14.35% | 19.86% | Beats 85% | 9 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.64% | 51.31% | 60.45% | 81.20% | 80th pctl | 12 / 60 | ||
| Loans / Assets | 66.22% | 41.11% | 52.43% | 68.66% | 72nd pctl | 17 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||