Dumas, TX · Charter 3938
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
58
Asset Quality
68
Profitability
32
Liquidity
100
Efficiency
28
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.
Dumas, TX · Charter 3938
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 | 1.56% | 1.67% | 1.41% | 0.80% | 1.09% | 0.61% | 0.23% | 0.21% | -60 bps | |
| Return on Equity | 10.00% | 10.54% | 8.88% | 5.05% | 6.56% | 3.72% | 1.45% | 1.32% | -373 bps | |
| Net Interest Margin | 4.97% | 4.95% | 4.42% | 4.66% | 4.81% | 4.83% | 4.32% | 3.74% | -92 bps | |
| Efficiency Ratio | 70.67% | 69.61% | 65.80% | 80.03% | 78.90% | 86.91% | 86.59% | 90.47% | +1,044 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.36% | 1.30% | 7.84% | 12.41% | 10.38% | 8.13% | 1.12% | -4.49% | -1,690 bps | |
| Loan Growth (YoY) | -1.64% | -3.79% | -3.53% | -7.05% | -7.44% | -8.24% | -13.85% | -15.54% | -849 bps | |
| Share Growth (YoY) | -2.24% | 0.70% | 6.33% | 12.14% | 10.60% | 8.66% | 0.17% | -6.65% | -1,879 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.33% | 0.24% | 0.35% | 0.35% | 0.61% | 0.40% | 0.34% | -1 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 | 15.59% | 15.88% | 15.89% | 15.88% | 16.60% | 16.53% | 15.99% | 15.65% | -23 bps | |
| Net Worth / Assets | 15.59% | 15.88% | 15.89% | 15.88% | 16.60% | 16.53% | 15.99% | 15.65% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.56% | 86.27% | 77.32% | 74.36% | 74.11% | 72.86% | 66.50% | 67.27% | -708 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dumas, TX · Charter 3938 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.21%
Rank 171 of 235
Net Interest Margin
3.74%
Rank 133 of 235
Efficiency Ratio
90.44%
Rank 171 of 235
Equity / Assets
15.65%
Rank 99 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.21% | 0.17% | 0.57% | 1.10% | Beats 27% | 171 / 235 | ||
| Return on Equity | 1.32% | 1.03% | 4.30% | 7.58% | Beats 27% | 171 / 235 | ||
| Net Interest Margin | 3.74% | 3.32% | 3.89% | 4.35% | Beats 43% | 133 / 235 | ||
| Efficiency Ratio | 90.44% | 70.60% | 82.00% | 91.57% | Beats 28% | 171 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.34% | 0.20% | 0.59% | 1.14% | Beats 68% | 76 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.65% | 11.30% | 14.41% | 19.49% | Beats 58% | 99 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.65% | 11.30% | 14.41% | 19.49% | Beats 58% | 99 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.27% | 54.18% | 67.38% | 81.66% | 49th pctl | 119 / 235 | ||
| Loans / Assets | 54.35% | 43.80% | 56.63% | 68.64% | 45th pctl | 130 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||