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Lifetime

Richardson, TX · Charter 6012

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

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.

Peer group

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.

Peer standing

Capital

70

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lifetime

Richardson, TX · Charter 6012

NCUA · 2 branches

Q2 2026

$55.2MAssets
$25.9MLoans
$45.0MShares
$10.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.20%, up 29 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 1.91% of loans (+102 bps YoY).
  • Capital: net worth / assets of 18.45%, up 33 bps from a year ago.
  • Funding: loans stand at 57.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.20%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+152 bps YoY

Efficiency Ratio (YTD, annualized)

87.05%-1,097 bps YoY

Net Worth / Assets

18.45%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.09%-0.09%-0.02%0.22%0.20%+29 bps
Return on Equity-0.51%-0.48%-0.13%1.21%1.09%+161 bps
Net Interest Margin1.45%2.42%2.51%2.69%2.97%+152 bps
Efficiency Ratio98.02%97.18%95.75%89.74%87.05%-1,097 bps
Growth
Asset Growth (YoY)-1.08%0.72%0.04%-0.70%-2.13%-106 bps
Loan Growth (YoY)-7.97%-8.74%-10.46%-9.57%-9.51%-154 bps
Share Growth (YoY)-1.71%0.74%1.03%-1.00%-1.71%0 bps
Asset Quality
Delinquent Loans / Loans0.89%1.19%1.36%1.23%1.91%+102 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.12%18.27%18.51%17.82%18.45%+33 bps
Net Worth / Assets18.12%18.27%18.51%17.82%18.45%+33 bps
Liquidity & Funding
Loans / Shares62.56%61.38%60.50%56.00%57.59%-497 bps
Liquid Assets / Assets0.00%99.47%0.00%97.30%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lifetime

Richardson, TX · Charter 6012 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 2 branches

Q2 2026

$55.2MAssets
$25.9MLoans
$45.0MShares
$10.2MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 70% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 18 of 60).
  • Widest gap: net interest margin trails 90% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 54 of 60).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.20%

Rank 42 of 60

Net Interest Margin

2.97%

Rank 54 of 60

Efficiency Ratio

87.11%

Rank 42 of 60

Equity / Assets

18.45%

Rank 18 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.20%0.02%0.62%0.99%Beats 30%42 / 60
Return on Equity1.10%0.12%4.17%8.32%Beats 30%42 / 60
Net Interest Margin2.97%3.36%3.95%4.45%Beats 10%54 / 60
Efficiency Ratio87.11%70.09%78.52%92.77%Beats 32%42 / 60
Asset Quality
Nonperforming Loans / Loans1.91%0.25%0.82%1.91%Beats 25%46 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.45%11.15%14.35%19.86%Beats 70%18 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.45%11.15%14.35%19.86%Beats 70%18 / 60
Liquidity & Funding
Loans / Deposits57.59%51.31%60.45%81.20%42nd pctl35 / 60
Loans / Assets46.94%41.11%52.43%68.66%35th pctl39 / 60
Brokered Deposits / Depositsn/aNot reported for this institution