Fort Worth, TX · Charter 577
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
35
Asset Quality
58
Profitability
24
Liquidity
0
Efficiency
20
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 577
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 | 0.37% | 0.30% | 1.10% | 0.82% | 0.37% | 0.12% | -3.28% | -1.80% | -262 bps | |
| Return on Equity | 2.93% | 2.41% | 8.72% | 6.08% | 2.83% | 0.97% | -27.35% | -14.68% | -2,077 bps | |
| Net Interest Margin | 3.46% | 3.48% | 3.74% | 4.06% | 4.07% | 4.04% | 4.10% | 4.29% | +24 bps | |
| Efficiency Ratio | 88.95% | 90.27% | 67.73% | 76.36% | 81.44% | 86.64% | 96.19% | 95.07% | +1,871 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.85% | 7.89% | 6.41% | -0.17% | -2.29% | -1.42% | -3.92% | -1.06% | -89 bps | |
| Loan Growth (YoY) | -6.75% | -6.46% | -4.15% | -0.19% | 6.01% | 5.56% | 0.44% | 0.43% | +63 bps | |
| Share Growth (YoY) | 6.85% | 8.12% | 6.56% | 0.50% | -3.09% | -1.42% | -2.72% | -0.46% | -96 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 0.97% | 1.36% | 1.05% | 1.50% | 2.67% | 1.66% | 0.77% | -28 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 | 12.77% | 12.57% | 12.63% | 13.49% | 13.23% | 12.74% | 12.01% | 12.24% | -124 bps | |
| Net Worth / Assets | 12.77% | 12.57% | 12.63% | 13.49% | 13.23% | 12.74% | 12.01% | 12.24% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.56% | 90.92% | 91.37% | 99.65% | 101.25% | 97.36% | 94.34% | 100.55% | +90 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 577 · 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
-1.80%
Rank 59 of 60
Net Interest Margin
4.30%
Rank 20 of 60
Efficiency Ratio
94.86%
Rank 49 of 60
Equity / Assets
12.25%
Rank 39 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.80% | 0.02% | 0.62% | 0.99% | Beats 2% | 59 / 60 | ||
| Return on Equity | -14.69% | 0.12% | 4.17% | 8.32% | Beats 2% | 59 / 60 | ||
| Net Interest Margin | 4.30% | 3.36% | 3.95% | 4.45% | Beats 67% | 20 / 60 | ||
| Efficiency Ratio | 94.86% | 70.09% | 78.52% | 92.77% | Beats 20% | 49 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.77% | 0.25% | 0.82% | 1.91% | Beats 58% | 26 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.25% | 11.15% | 14.35% | 19.86% | Beats 35% | 39 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.25% | 11.15% | 14.35% | 19.86% | Beats 35% | 39 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.55% | 51.31% | 60.45% | 81.20% | 95th pctl | 3 / 60 | ||
| Loans / Assets | 86.96% | 41.11% | 52.43% | 68.66% | 97th pctl | 2 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||