Allen, TX · Charter 66327
NCUA · 26 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
4
Asset Quality
8
Profitability
14
Liquidity
96
Efficiency
4
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.
Allen, TX · Charter 66327
NCUA · 26 branches
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 | 0.26% | 0.37% | -0.11% | 0.26% | 0.45% | 0.36% | 0.03% | 0.05% | -20 bps | |
| Return on Equity | 3.11% | 4.30% | -1.38% | 3.04% | 5.34% | 4.37% | 0.42% | 0.67% | -237 bps | |
| Net Interest Margin | 3.02% | 3.14% | 3.14% | 3.17% | 3.13% | 3.07% | 3.09% | 3.19% | +2 bps | |
| Efficiency Ratio | 84.89% | 81.52% | 88.16% | 84.16% | 80.00% | 78.19% | 86.61% | 87.71% | +356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.85% | 1.56% | 3.06% | -0.53% | 0.34% | 5.50% | 3.60% | 0.52% | +106 bps | |
| Loan Growth (YoY) | -2.96% | -5.12% | -4.23% | -6.67% | -2.64% | -1.03% | 1.60% | -3.98% | +269 bps | |
| Share Growth (YoY) | 4.63% | 4.64% | 5.24% | 6.57% | 5.68% | 8.28% | 4.86% | 3.85% | -272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.51% | 1.30% | 1.52% | 1.65% | 1.75% | 1.47% | 1.59% | +7 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 | 8.22% | 8.57% | 8.26% | 8.40% | 8.48% | 8.29% | 8.18% | 8.13% | -27 bps | |
| Net Worth / Assets | 8.22% | 8.57% | 8.26% | 8.40% | 8.48% | 8.29% | 8.18% | 8.13% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.35% | 99.30% | 98.24% | 94.64% | 93.37% | 90.76% | 95.19% | 87.50% | -714 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.76% | 0.00% | 0.00% | 98.90% | 0.00% | 0.00% | 0 bps | |
Allen, TX · Charter 66327 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
Return on Assets
0.05%
Rank 422 of 435
Net Interest Margin
3.19%
Rank 276 of 435
Efficiency Ratio
87.71%
Rank 419 of 435
Equity / Assets
8.13%
Rank 417 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.05% | 0.55% | 0.81% | 1.14% | Beats 3% | 422 / 435 | ||
| Return on Equity | 0.67% | 5.12% | 7.41% | 9.70% | Beats 3% | 421 / 435 | ||
| Net Interest Margin | 3.19% | 3.01% | 3.39% | 3.75% | Beats 37% | 276 / 435 | ||
| Efficiency Ratio | 87.71% | 65.25% | 71.39% | 77.86% | Beats 4% | 419 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.59% | 0.45% | 0.69% | 1.05% | Beats 8% | 400 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.13% | 9.81% | 10.84% | 12.63% | Beats 4% | 417 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.13% | 9.81% | 10.84% | 12.63% | Beats 4% | 417 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.50% | 78.33% | 88.38% | 95.61% | 47th pctl | 230 / 435 | ||
| Loans / Assets | 75.11% | 67.69% | 74.58% | 80.80% | 52nd pctl | 207 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||