Fort Worth, TX · Charter 514
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 the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
37
Profitability
77
Liquidity
33
Efficiency
87
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.
Fort Worth, TX · Charter 514
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 | 1.62% | 1.92% | 1.68% | 1.81% | 1.53% | 1.71% | 2.17% | 1.78% | -3 bps | |
| Return on Equity | 8.65% | 10.00% | 8.61% | 9.18% | 7.71% | 8.43% | 10.37% | 8.51% | -67 bps | |
| Net Interest Margin | 4.62% | 4.73% | 4.37% | 4.55% | 4.47% | 4.53% | 4.41% | 4.30% | -25 bps | |
| Efficiency Ratio | 57.37% | 56.51% | 65.91% | 59.45% | 60.71% | 60.41% | 61.88% | 61.60% | +215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.48% | -3.27% | 1.10% | 2.14% | 2.72% | 3.43% | 2.15% | 2.30% | +15 bps | |
| Loan Growth (YoY) | -1.93% | -0.14% | -5.09% | -6.03% | -4.17% | -5.37% | -3.61% | -8.42% | -240 bps | |
| Share Growth (YoY) | -5.76% | -6.14% | -0.88% | 0.84% | 0.48% | 2.98% | 0.40% | 1.50% | +66 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.09% | 0.10% | 0.00% | 0.00% | 0.00% | 0.11% | 1.07% | +107 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 | 18.67% | 19.25% | 19.53% | 19.69% | 19.79% | 20.28% | 20.93% | 20.86% | +117 bps | |
| Net Worth / Assets | 18.67% | 19.25% | 19.53% | 19.69% | 19.79% | 20.28% | 20.93% | 20.86% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.92% | 58.46% | 53.74% | 53.01% | 53.34% | 53.73% | 51.59% | 47.83% | -518 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Worth, TX · Charter 514 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
1.78%
Rank 8 of 60
Net Interest Margin
4.29%
Rank 21 of 60
Efficiency Ratio
61.78%
Rank 9 of 60
Equity / Assets
20.86%
Rank 13 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.78% | 0.02% | 0.62% | 0.99% | Beats 87% | 8 / 60 | ||
| Return on Equity | 8.54% | 0.12% | 4.17% | 8.32% | Beats 78% | 13 / 60 | ||
| Net Interest Margin | 4.29% | 3.36% | 3.95% | 4.45% | Beats 65% | 21 / 60 | ||
| Efficiency Ratio | 61.78% | 70.09% | 78.52% | 92.77% | Beats 87% | 9 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.07% | 0.25% | 0.82% | 1.91% | Beats 37% | 39 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.86% | 11.15% | 14.35% | 19.86% | Beats 78% | 13 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.86% | 11.15% | 14.35% | 19.86% | Beats 78% | 13 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.82% | 51.31% | 60.45% | 81.20% | 20th pctl | 48 / 60 | ||
| Loans / Assets | 37.73% | 41.11% | 52.43% | 68.66% | 15th pctl | 51 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||