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Letter portraitLegal landscapeQuarterYTD

Tarrant County's Credit Union

Fort Worth, TX · Charter 60051

NCUA · 4 branches

Q2 2026

$123.7MAssets
$89.6MLoans
$110.3MShares
$11.9MNet Worth

Executive Summary

  • Earnings: ROA of -0.79%, down 96 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 0.80% of loans (-106 bps YoY).
  • Capital: net worth / assets of 9.59%, down 46 bps from a year ago.
  • Funding: loans stand at 81.20% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.79%-96 bps YoY

Net Interest Margin (YTD, annualized)

4.97%-21 bps YoY

Efficiency Ratio (YTD, annualized)

93.38%+855 bps YoY

Net Worth / Assets

9.59%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.73%0.11%0.17%0.09%0.02%-0.70%-0.79%-96 bps
Return on Equity9.03%7.00%1.12%1.64%0.92%0.25%-7.24%-8.27%-991 bps
Net Interest Margin5.35%5.31%5.09%5.18%5.35%5.32%5.02%4.97%-21 bps
Efficiency Ratio80.12%80.08%87.00%84.82%83.35%82.11%89.92%93.38%+855 bps
Growth
Asset Growth (YoY)-1.76%-0.40%4.04%4.68%4.58%3.96%2.61%-0.17%-485 bps
Loan Growth (YoY)0.06%0.20%0.89%2.66%-0.93%-5.75%-8.86%-8.37%-1,103 bps
Share Growth (YoY)-2.41%-1.34%4.14%5.05%4.08%4.39%3.44%0.28%-477 bps
Asset Quality
Delinquent Loans / Loans1.76%2.22%1.61%1.86%1.57%1.13%0.84%0.80%-106 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.62%10.48%10.09%10.06%10.22%10.08%9.63%9.59%-46 bps
Net Worth / Assets10.62%10.48%10.09%10.06%10.22%10.08%9.63%9.59%-46 bps
Liquidity & Funding
Loans / Shares92.33%92.82%89.25%88.87%87.89%83.80%78.64%81.20%-767 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps