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Libertyone

Arlington, TX · Charter 61604

NCUA · 3 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

68

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

Libertyone

Arlington, TX · Charter 61604

NCUA · 3 branches

Q2 2026

$175.5MAssets
$126.4MLoans
$155.6MShares
$19.6MNet 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 0.38%, up 18 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 1.32% of loans (+54 bps YoY).
  • Capital: net worth / assets of 11.15%, up 35 bps from a year ago.
  • Funding: loans stand at 81.21% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+30 bps YoY

Efficiency Ratio (YTD, annualized)

74.88%-843 bps YoY

Net Worth / Assets

11.15%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.23%0.27%0.43%0.38%+18 bps
Return on Equity1.81%2.11%2.48%3.91%3.41%+160 bps
Net Interest Margin2.33%2.35%2.45%2.60%2.63%+30 bps
Efficiency Ratio83.32%81.51%79.65%72.13%74.88%-843 bps
Growth
Asset Growth (YoY)3.42%2.82%2.45%0.00%0.16%-326 bps
Loan Growth (YoY)-3.92%-3.08%-2.04%-1.70%0.06%+399 bps
Share Growth (YoY)2.79%2.40%2.09%-0.16%-0.51%-330 bps
Asset Quality
Delinquent Loans / Loans0.78%1.08%0.93%1.04%1.32%+54 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 Capital10.80%10.75%10.89%10.93%11.15%+35 bps
Net Worth / Assets10.80%10.75%10.89%10.93%11.15%+35 bps
Liquidity & Funding
Loans / Shares80.75%78.11%81.90%81.89%81.21%+46 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Libertyone

Arlington, TX · Charter 61604 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 3 branches

Q2 2026

$175.5MAssets
$126.4MLoans
$155.6MShares
$19.6MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 68% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 20 of 60).
  • Widest gap: net interest margin trails 95% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 57 of 60).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.38%

Rank 38 of 60

Net Interest Margin

2.63%

Rank 57 of 60

Efficiency Ratio

74.89%

Rank 20 of 60

Equity / Assets

11.15%

Rank 45 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.38%0.02%0.62%0.99%Beats 37%38 / 60
Return on Equity3.40%0.12%4.17%8.32%Beats 42%35 / 60
Net Interest Margin2.63%3.36%3.95%4.45%Beats 5%57 / 60
Efficiency Ratio74.89%70.09%78.52%92.77%Beats 68%20 / 60
Asset Quality
Nonperforming Loans / Loans1.32%0.25%0.82%1.91%Beats 32%42 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.15%11.15%14.35%19.86%Beats 25%45 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.15%11.15%14.35%19.86%Beats 25%45 / 60
Liquidity & Funding
Loans / Deposits81.21%51.31%60.45%81.20%77th pctl14 / 60
Loans / Assets72.00%41.11%52.43%68.66%83rd pctl10 / 60
Brokered Deposits / Depositsn/aNot reported for this institution