Denton, TX · Charter 21279
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=65). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
25
Profitability
13
Liquidity
16
Efficiency
2
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.
Denton, TX · Charter 21279
NCUA · 1 branch
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.37% | -2.15% | -2.46% | 0.78% | -3.02% | -6.37% | -6.60% | -6.40% | -719 bps | |
| Return on Equity | -29.47% | -26.61% | -33.56% | 9.88% | -43.70% | -125.86% | -174.60% | -294% | -30,360 bps | |
| Net Interest Margin | 3.97% | 4.26% | 4.43% | 4.04% | 4.16% | 4.60% | 5.05% | 3.64% | -41 bps | |
| Efficiency Ratio | 121.81% | 122.13% | 125.25% | 112.73% | 154.29% | 273% | 229% | 190.58% | +7,784 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.49% | -23.26% | -23.48% | -24.15% | -20.23% | -28.46% | -32.28% | -28.58% | -443 bps | |
| Loan Growth (YoY) | -25.56% | -23.92% | -27.46% | -28.19% | -21.95% | -34.25% | -32.33% | -31.69% | -350 bps | |
| Share Growth (YoY) | -16.71% | -22.23% | -20.59% | -28.79% | -22.88% | -16.35% | -21.52% | -11.00% | +1,779 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 3.79% | 2.26% | 2.86% | 1.57% | 4.51% | 5.66% | 1.54% | -132 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 | 8.05% | 8.07% | 7.34% | 7.94% | 6.91% | 5.06% | 3.78% | 2.18% | -575 bps | |
| Net Worth / Assets | 8.05% | 8.07% | 7.34% | 7.94% | 6.91% | 5.06% | 3.78% | 2.18% | -575 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.32% | 109.25% | 108.11% | 111.16% | 103.56% | 85.87% | 93.21% | 85.31% | -2,585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Denton, TX · Charter 21279 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=65)
NCUA · 1 branch
Q1 2025
Return on Assets
-6.41%
Rank 64 of 65
Net Interest Margin
3.64%
Rank 40 of 65
Efficiency Ratio
190.96%
Rank 65 of 65
Equity / Assets
2.18%
Rank 65 of 65
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -6.41% | -0.10% | 0.50% | 1.13% | Beats 2% | 64 / 65 | ||
| Return on Equity | -294% | -0.45% | 3.86% | 8.62% | Beats 0% | 65 / 65 | ||
| Net Interest Margin | 3.64% | 3.33% | 3.80% | 4.38% | Beats 38% | 40 / 65 | ||
| Efficiency Ratio | 190.96% | 68.83% | 82.63% | 90.77% | Beats 2% | 65 / 65 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.12% | 0.61% | 1.43% | Beats 25% | 50 / 65 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 2.18% | 10.09% | 13.44% | 18.79% | Beats 0% | 65 / 65 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 2.18% | 10.09% | 13.45% | 18.79% | Beats 0% | 65 / 65 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.31% | 54.16% | 63.58% | 82.46% | 80th pctl | 13 / 65 | ||
| Loans / Assets | 82.18% | 43.12% | 54.59% | 66.42% | 92nd pctl | 5 / 65 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||