Fort Worth, TX · Charter 67456
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
98
Asset Quality
35
Profitability
49
Liquidity
0
Efficiency
26
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.
Fort Worth, TX · Charter 67456
NCUA · 1 branch
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.54% | 0.76% | 0.72% | 0.18% | +12 bps | |
| Return on Equity | 0.19% | 1.53% | 2.17% | 1.99% | 0.51% | +32 bps | |
| Net Interest Margin | 4.75% | 5.46% | 5.54% | 5.67% | 5.71% | +96 bps | |
| Efficiency Ratio | 97.35% | 87.63% | 83.19% | 83.76% | 86.70% | -1,065 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.54% | -5.81% | -0.23% | 2.79% | -3.37% | +1,017 bps | |
| Loan Growth (YoY) | -17.43% | -8.41% | -15.53% | -14.56% | -10.75% | +668 bps | |
| Share Growth (YoY) | -7.60% | -3.18% | -1.02% | 3.43% | -11.05% | -346 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 1.18% | 1.40% | 1.44% | 1.40% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.29% | 0.50% | 0.70% | 0.09% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.63% | 34.95% | 35.00% | 36.15% | 36.03% | +139 bps | |
| Net Worth / Assets | 34.63% | 34.95% | 35.00% | 36.15% | 36.03% | +139 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.83% | 89.95% | 81.63% | 83.09% | 91.14% | +31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.10% | 0.66% | 1.04% | Beats 32% | 42 / 62 | |
| Return on Equity | 0.50% | 0.52% | 3.76% | 7.79% | Beats 23% | 48 / 62 | |
| Net Interest Margin | 5.72% | 3.35% | 3.98% | 4.57% | Beats 92% | 5 / 62 | |
| Efficiency Ratio | 86.82% | 69.90% | 81.43% | 86.82% | Beats 26% | 47 / 62 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.41% | 0.35% | 0.96% | 1.90% | Beats 35% | 41 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 36.03% | 10.89% | 14.18% | 19.79% | Beats 98% | 1 / 62 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 36.02% | 10.90% | 14.18% | 19.79% | Beats 98% | 1 / 62 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.14% | 53.73% | 62.56% | 81.90% | 87th pctl | 8 / 62 | |
| Loans / Assets | 54.45% | 42.81% | 54.35% | 67.92% | 52nd pctl | 30 / 62 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||