Richardson, TX · Charter 60806
NCUA · 11 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
50
Profitability
46
Liquidity
63
Efficiency
57
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.
Richardson, TX · Charter 60806
NCUA · 11 branches
Q2 2026
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 1.00% | 0.98% | 0.87% | 0.84% | -18 bps | |
| Return on Equity | 9.36% | 9.16% | 9.03% | 8.15% | 7.59% | -178 bps | |
| Net Interest Margin | 3.26% | 3.21% | 3.12% | 2.99% | 3.16% | -10 bps | |
| Efficiency Ratio | 66.58% | 67.07% | 67.11% | 68.58% | 69.85% | +327 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.72% | 7.79% | 9.92% | 11.04% | 10.27% | +454 bps | |
| Loan Growth (YoY) | 12.24% | 11.17% | 8.96% | 9.68% | 9.34% | -290 bps | |
| Share Growth (YoY) | 4.61% | 7.07% | 9.17% | 10.49% | 9.92% | +531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.45% | 0.68% | 0.62% | 0.69% | +32 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.94% | 10.94% | 10.84% | 10.68% | 11.07% | +13 bps | |
| Net Worth / Assets | 10.94% | 10.94% | 10.84% | 10.68% | 11.07% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.01% | 79.47% | 77.34% | 76.87% | 79.58% | -42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Richardson, TX · Charter 60806 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
0.84%
Rank 205 of 435
Net Interest Margin
3.16%
Rank 285 of 435
Efficiency Ratio
69.85%
Rank 189 of 435
Equity / Assets
11.07%
Rank 194 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.55% | 0.81% | 1.14% | Beats 53% | 205 / 435 | |
| Return on Equity | 7.59% | 5.12% | 7.41% | 9.70% | Beats 52% | 210 / 435 | |
| Net Interest Margin | 3.16% | 3.01% | 3.39% | 3.75% | Beats 34% | 285 / 435 | |
| Efficiency Ratio | 69.85% | 65.25% | 71.39% | 77.86% | Beats 57% | 189 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.45% | 0.69% | 1.05% | Beats 50% | 218 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.07% | 9.81% | 10.84% | 12.63% | Beats 55% | 194 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.07% | 9.81% | 10.84% | 12.63% | Beats 55% | 194 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.58% | 78.33% | 88.38% | 95.61% | 28th pctl | 314 / 435 | |
| Loans / Assets | 70.64% | 67.69% | 74.58% | 80.80% | 35th pctl | 282 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||