Mesquite, TX · Charter 67436
NCUA · 2 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 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
22
Asset Quality
92
Profitability
71
Liquidity
69
Efficiency
48
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.
Mesquite, TX · Charter 67436
NCUA · 2 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 | 0.92% | 1.00% | 0.82% | 0.90% | 0.90% | 0.92% | 0.92% | 0.96% | +6 bps | |
| Return on Equity | 9.71% | 10.18% | 8.37% | 8.75% | 8.71% | 8.71% | 8.65% | 8.73% | -3 bps | |
| Net Interest Margin | 3.78% | 3.92% | 4.02% | 4.20% | 4.20% | 4.20% | 4.18% | 4.25% | +5 bps | |
| Efficiency Ratio | 79.42% | 78.13% | 86.04% | 82.18% | 82.27% | 81.46% | 80.05% | 79.22% | -296 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.47% | -1.63% | 0.09% | -0.53% | 0.65% | 2.05% | 0.91% | 2.10% | +263 bps | |
| Loan Growth (YoY) | -9.59% | -8.82% | -5.90% | -5.51% | -3.03% | 4.03% | 0.11% | -1.70% | +380 bps | |
| Share Growth (YoY) | -1.32% | -2.65% | -0.58% | -0.87% | 0.01% | 1.13% | 0.31% | 0.92% | +179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.15% | 0.09% | 0.13% | 0.13% | 0.13% | 0.03% | 0.03% | -10 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 | 9.45% | 9.85% | 9.84% | 10.23% | 10.35% | 10.55% | 10.67% | 10.96% | +73 bps | |
| Net Worth / Assets | 9.45% | 9.85% | 9.84% | 10.23% | 10.35% | 10.55% | 10.67% | 10.96% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.98% | 71.05% | 70.64% | 70.93% | 68.82% | 73.08% | 70.50% | 69.08% | -185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mesquite, TX · Charter 67436 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 2 branches
Q2 2026
Return on Assets
0.96%
Rank 17 of 60
Net Interest Margin
4.25%
Rank 23 of 60
Efficiency Ratio
79.24%
Rank 32 of 60
Equity / Assets
10.96%
Rank 47 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.02% | 0.62% | 0.99% | Beats 72% | 17 / 60 | ||
| Return on Equity | 8.73% | 0.12% | 4.17% | 8.32% | Beats 80% | 12 / 60 | ||
| Net Interest Margin | 4.25% | 3.36% | 3.95% | 4.45% | Beats 62% | 23 / 60 | ||
| Efficiency Ratio | 79.24% | 70.09% | 78.52% | 92.77% | Beats 48% | 32 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.25% | 0.82% | 1.91% | Beats 92% | 6 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.96% | 11.15% | 14.35% | 19.86% | Beats 22% | 47 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.96% | 11.15% | 14.35% | 19.86% | Beats 22% | 47 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.08% | 51.31% | 60.45% | 81.20% | 62nd pctl | 23 / 60 | ||
| Loans / Assets | 60.95% | 41.11% | 52.43% | 68.66% | 67th pctl | 20 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||