Del Rio, TX · Charter 24304
NCUA · 5 branches
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
69
Asset Quality
43
Profitability
82
Liquidity
48
Efficiency
70
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.
Del Rio, TX · Charter 24304
NCUA · 5 branches
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 | 1.66% | 1.61% | 1.58% | 1.23% | 1.58% | -8 bps | |
| Return on Equity | 9.56% | 9.13% | 8.87% | 7.07% | 8.84% | -72 bps | |
| Net Interest Margin | 4.41% | 4.45% | 4.47% | 4.40% | 4.46% | +5 bps | |
| Efficiency Ratio | 73.79% | 75.05% | 74.46% | 78.19% | 73.57% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.16% | 4.64% | 7.00% | 5.04% | 6.44% | +228 bps | |
| Loan Growth (YoY) | 7.10% | 7.24% | 8.13% | 8.69% | 7.40% | +30 bps | |
| Share Growth (YoY) | 3.65% | 3.20% | 7.02% | 4.38% | 5.75% | +210 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.75% | 0.59% | 0.67% | 0.67% | +10 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 | 17.36% | 17.65% | 17.82% | 17.43% | 17.83% | +47 bps | |
| Net Worth / Assets | 17.36% | 17.65% | 17.82% | 17.43% | 17.83% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.50% | 80.66% | 80.84% | 77.75% | 79.73% | +122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Del Rio, TX · Charter 24304 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
Return on Assets
1.58%
Rank 28 of 235
Net Interest Margin
4.46%
Rank 51 of 235
Efficiency Ratio
73.58%
Rank 71 of 235
Equity / Assets
17.83%
Rank 73 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.58% | 0.17% | 0.57% | 1.10% | Beats 88% | 28 / 235 | |
| Return on Equity | 8.84% | 1.03% | 4.30% | 7.58% | Beats 80% | 48 / 235 | |
| Net Interest Margin | 4.46% | 3.32% | 3.89% | 4.35% | Beats 78% | 51 / 235 | |
| Efficiency Ratio | 73.58% | 70.60% | 82.00% | 91.57% | Beats 70% | 71 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.20% | 0.59% | 1.14% | Beats 43% | 135 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.83% | 11.30% | 14.41% | 19.49% | Beats 69% | 73 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.83% | 11.30% | 14.41% | 19.49% | Beats 69% | 73 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.73% | 54.18% | 67.38% | 81.66% | 72nd pctl | 65 / 235 | |
| Loans / Assets | 60.98% | 43.80% | 56.63% | 68.64% | 60th pctl | 95 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||