Dallas, TX · Charter 6304
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
57
Asset Quality
72
Profitability
37
Liquidity
69
Efficiency
12
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.
Dallas, TX · Charter 6304
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 | -3.05% | -1.11% | 0.70% | 0.96% | 0.87% | 0.78% | -0.16% | -0.66% | -162 bps | |
| Return on Equity | -21.58% | -8.00% | 4.75% | 6.38% | 5.44% | 4.78% | -0.96% | -4.14% | -1,051 bps | |
| Net Interest Margin | 4.49% | 4.58% | 5.10% | 5.03% | 5.25% | 5.31% | 4.79% | 4.67% | -37 bps | |
| Efficiency Ratio | 93.62% | 91.66% | 86.12% | 79.08% | 82.28% | 82.58% | 99.40% | 99.11% | +2,003 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.06% | -0.54% | -4.05% | -4.84% | -9.27% | -11.72% | -8.49% | -6.88% | -203 bps | |
| Loan Growth (YoY) | -4.18% | -2.82% | -8.96% | -16.89% | -19.48% | -24.80% | -23.83% | -24.92% | -804 bps | |
| Share Growth (YoY) | -4.37% | -0.39% | -3.74% | -5.77% | -11.35% | -13.46% | -10.90% | -10.45% | -468 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.42% | 0.68% | 0.08% | 0.47% | 0.71% | 1.12% | 0.34% | +26 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 | 14.14% | 13.87% | 14.78% | 15.06% | 15.96% | 16.32% | 16.53% | 15.93% | +87 bps | |
| Net Worth / Assets | 14.14% | 13.87% | 14.78% | 15.06% | 15.96% | 16.32% | 16.53% | 15.93% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.46% | 71.42% | 70.25% | 64.95% | 65.81% | 62.06% | 60.05% | 54.45% | -1,050 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dallas, TX · Charter 6304 · 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
-0.65%
Rank 52 of 60
Net Interest Margin
4.66%
Rank 11 of 60
Efficiency Ratio
99.26%
Rank 54 of 60
Equity / Assets
15.93%
Rank 26 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.65% | 0.02% | 0.62% | 0.99% | Beats 13% | 52 / 60 | ||
| Return on Equity | -4.10% | 0.12% | 4.17% | 8.32% | Beats 15% | 51 / 60 | ||
| Net Interest Margin | 4.66% | 3.36% | 3.95% | 4.45% | Beats 82% | 11 / 60 | ||
| Efficiency Ratio | 99.26% | 70.09% | 78.52% | 92.77% | Beats 12% | 54 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.25% | 0.82% | 1.91% | Beats 72% | 18 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.93% | 11.15% | 14.35% | 19.86% | Beats 57% | 26 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.93% | 11.15% | 14.35% | 19.86% | Beats 57% | 26 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.46% | 51.31% | 60.45% | 81.20% | 33rd pctl | 40 / 60 | ||
| Loans / Assets | 44.52% | 41.11% | 52.43% | 68.66% | 30th pctl | 42 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||