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Auto Parts Employees

Fort Worth, TX · Charter 67456

NCUA · 1 branch

Q4 2025

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: Q4 2025, the quarter ended December 31, 2025, 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=62). 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

98

Q2 2024Q4 2025peer median (50)

Asset Quality

35

Q2 2024Q4 2025peer median (50)

Profitability

49

Q2 2024Q4 2025peer median (50)

Liquidity

0

Q2 2024Q4 2025peer median

Efficiency

26

Q2 2024Q4 2025peer 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

Auto Parts Employees

Fort Worth, TX · Charter 67456

NCUA · 1 branch

Q4 2025

$3.9MAssets
$2.1MLoans
$2.3MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

0.18%+12 bps YoY

Net Interest Margin (YTD, annualized)

5.71%+96 bps YoY

Efficiency Ratio (YTD, annualized)

86.70%-1,065 bps YoY

Net Worth / Assets

36.03%+139 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Return on Assets0.06%0.54%0.76%0.72%0.18%+12 bps
Net Interest Margin4.75%5.46%5.54%5.67%5.71%+96 bps
Asset Growth (YoY)-13.54%-5.81%-0.23%2.79%-3.37%+1,017 bps
Share Growth (YoY)-7.60%-3.18%-1.02%3.43%-11.05%-346 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital34.63%34.95%35.00%36.15%36.03%+139 bps
Loans / Shares90.83%89.95%81.63%83.09%91.14%+31 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

Auto Parts Employees

Fort Worth, TX · Charter 67456 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=62)

NCUA · 1 branch

Q4 2025

$3.9MAssets
$2.1MLoans
$2.3MShares
$1.4MNet Worth

Return on Assets

0.18%

Rank 42 of 62

Net Interest Margin

5.72%

Rank 5 of 62

Efficiency Ratio

86.82%

Rank 47 of 62

Equity / Assets

36.02%

Rank 1 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets0.18%0.10%0.66%1.04%Beats 32%42 / 62
Net Interest Margin5.72%3.35%3.98%4.57%Beats 92%5 / 62
Nonperforming Loans / Loans1.41%0.35%0.96%1.90%Beats 35%41 / 62
Tier 1 Capital Ratio36.03%10.89%14.18%19.79%Beats 98%1 / 62
Equity / Assets36.02%10.90%14.18%19.79%Beats 98%1 / 62
Loans / Assets54.45%42.81%54.35%67.92%52nd pctl30 / 62