Fritch, TX · Charter 4292
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 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 TX (n=227). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
38
Profitability
32
Liquidity
36
Efficiency
0
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.
Fritch, TX · Charter 4292
NCUA · 1 branch
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.61% | -0.73% | -0.78% | -0.55% | -4.17% | -356 bps | |
| Return on Equity | -2.19% | -2.56% | -2.69% | -1.93% | -14.83% | -1,264 bps | |
| Net Interest Margin | 4.49% | 4.79% | 4.89% | 4.76% | 5.21% | +72 bps | |
| Efficiency Ratio | 109.07% | 103.62% | 103.81% | 106.03% | 160.48% | +5,140 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.63% | -5.19% | -4.22% | -3.43% | -9.78% | -315 bps | |
| Loan Growth (YoY) | -3.27% | -4.69% | -4.59% | -8.19% | -11.92% | -865 bps | |
| Share Growth (YoY) | -10.90% | -6.47% | -4.77% | -3.73% | -8.55% | +234 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.94% | 1.01% | 1.48% | 1.09% | 0.72% | -121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 1.35% | 1.54% | 1.70% | 1.75% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.69% | 28.57% | 28.93% | 28.63% | 28.12% | +44 bps | |
| Net Worth / Assets | 27.69% | 28.57% | 28.93% | 28.63% | 28.12% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.21% | 86.99% | 88.06% | 84.35% | 86.89% | -332 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fritch, TX · Charter 4292 · Peer group: credit unions under $1B in assets in TX (n=227)
NCUA · 1 branch
Q2 2025
Return on Assets
-4.18%
Rank 223 of 227
Net Interest Margin
5.20%
Rank 18 of 227
Efficiency Ratio
160.98%
Rank 227 of 227
Equity / Assets
28.12%
Rank 16 of 227
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.18% | 0.18% | 0.67% | 1.22% | Beats 2% | 223 / 227 | |
| Return on Equity | -14.87% | 0.99% | 5.16% | 8.76% | Beats 3% | 221 / 227 | |
| Net Interest Margin | 5.20% | 3.30% | 3.81% | 4.38% | Beats 92% | 18 / 227 | |
| Efficiency Ratio | 160.98% | 69.23% | 80.40% | 90.12% | Beats 0% | 227 / 227 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.73% | 0.18% | 0.55% | 1.24% | Beats 38% | 141 / 227 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 28.12% | 10.92% | 14.11% | 18.86% | Beats 93% | 16 / 227 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 28.12% | 10.92% | 14.11% | 18.86% | Beats 93% | 16 / 227 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.89% | 56.17% | 70.69% | 83.69% | 81st pctl | 42 / 227 | |
| Loans / Assets | 61.52% | 46.26% | 59.50% | 71.03% | 56th pctl | 100 / 227 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||