Borger, TX · Charter 3571
NCUA · 4 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
82
Asset Quality
42
Profitability
64
Liquidity
0
Efficiency
88
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.
Borger, TX · Charter 3571
NCUA · 4 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 | 1.10% | 1.25% | 1.27% | 1.57% | 1.53% | +43 bps | |
| Return on Equity | 5.36% | 6.01% | 5.98% | 7.37% | 6.88% | +153 bps | |
| Net Interest Margin | 3.04% | 3.12% | 3.24% | 3.48% | 3.60% | +56 bps | |
| Efficiency Ratio | 68.09% | 66.25% | 65.68% | 63.12% | 63.39% | -470 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.44% | 2.47% | 2.74% | 0.65% | -0.96% | -140 bps | |
| Loan Growth (YoY) | 2.58% | 1.59% | 2.84% | 0.52% | -4.94% | -752 bps | |
| Share Growth (YoY) | -1.21% | 0.83% | -0.18% | -1.62% | -3.16% | -195 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.77% | 0.71% | 0.81% | 0.69% | +4 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 | 20.58% | 20.77% | 21.23% | 21.36% | 22.25% | +168 bps | |
| Net Worth / Assets | 20.58% | 20.77% | 21.23% | 21.36% | 22.25% | +168 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.47% | 35.05% | 35.51% | 34.00% | 34.82% | -65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Borger, TX · Charter 3571 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 4 branches
Q2 2026
Return on Assets
1.53%
Rank 34 of 235
Net Interest Margin
3.60%
Rank 148 of 235
Efficiency Ratio
63.39%
Rank 30 of 235
Equity / Assets
22.25%
Rank 42 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 0.17% | 0.57% | 1.10% | Beats 86% | 34 / 235 | |
| Return on Equity | 6.88% | 1.03% | 4.30% | 7.58% | Beats 70% | 70 / 235 | |
| Net Interest Margin | 3.60% | 3.32% | 3.89% | 4.35% | Beats 37% | 148 / 235 | |
| Efficiency Ratio | 63.39% | 70.60% | 82.00% | 91.57% | Beats 88% | 30 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.20% | 0.59% | 1.14% | Beats 42% | 138 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.25% | 11.30% | 14.41% | 19.49% | Beats 82% | 42 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.25% | 11.30% | 14.41% | 19.49% | Beats 82% | 42 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.82% | 54.18% | 67.38% | 81.66% | 7th pctl | 219 / 235 | |
| Loans / Assets | 27.36% | 43.80% | 56.63% | 68.64% | 6th pctl | 220 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||