Paris, TX · Charter 21904
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 TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
86
Profitability
60
Liquidity
0
Efficiency
63
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.
Paris, TX · Charter 21904
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 | 1.80% | 1.79% | 0.96% | 1.10% | 1.21% | 1.17% | 1.10% | 1.07% | -3 bps | |
| Return on Equity | 5.92% | 5.63% | 3.00% | 3.48% | 3.75% | 3.57% | 3.36% | 3.27% | -20 bps | |
| Net Interest Margin | 4.89% | 4.99% | 4.56% | 4.47% | 4.52% | 4.52% | 4.15% | 4.06% | -40 bps | |
| Efficiency Ratio | 62.23% | 63.82% | 66.12% | 72.20% | 71.27% | 72.91% | 73.97% | 75.98% | +378 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.76% | -9.21% | -11.44% | -7.13% | -1.84% | 0.57% | 1.15% | 0.28% | +740 bps | |
| Loan Growth (YoY) | 5.53% | -1.20% | -8.69% | -7.17% | -2.37% | -0.70% | -2.34% | -6.65% | +52 bps | |
| Share Growth (YoY) | -4.73% | -14.87% | -17.57% | -11.77% | -4.49% | -0.96% | -0.18% | -1.26% | +1,052 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.27% | 0.26% | 0.00% | 0.01% | 0.03% | 0.00% | 0.08% | +8 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 | 30.46% | 31.76% | 32.05% | 31.72% | 32.30% | 32.73% | 32.87% | 32.74% | +103 bps | |
| Net Worth / Assets | 30.46% | 31.76% | 32.05% | 31.72% | 32.30% | 32.73% | 32.87% | 32.74% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.15% | 36.41% | 35.28% | 33.54% | 35.93% | 36.51% | 34.51% | 31.70% | -183 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Paris, TX · Charter 21904 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.07%
Rank 61 of 235
Net Interest Margin
4.06%
Rank 88 of 235
Efficiency Ratio
76.01%
Rank 87 of 235
Equity / Assets
32.74%
Rank 12 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.17% | 0.57% | 1.10% | Beats 74% | 61 / 235 | ||
| Return on Equity | 3.26% | 1.03% | 4.30% | 7.58% | Beats 43% | 135 / 235 | ||
| Net Interest Margin | 4.06% | 3.32% | 3.89% | 4.35% | Beats 63% | 88 / 235 | ||
| Efficiency Ratio | 76.01% | 70.60% | 82.00% | 91.57% | Beats 63% | 87 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.20% | 0.59% | 1.14% | Beats 86% | 33 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 32.74% | 11.30% | 14.41% | 19.49% | Beats 95% | 12 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 32.74% | 11.30% | 14.41% | 19.49% | Beats 95% | 12 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.70% | 54.18% | 67.38% | 81.66% | 6th pctl | 221 / 235 | ||
| Loans / Assets | 21.26% | 43.80% | 56.63% | 68.64% | 3rd pctl | 229 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||