Fort Worth, TX · Charter 67468
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
98
Asset Quality
100
Profitability
46
Liquidity
0
Efficiency
10
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 67468
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 | 0.91% | 1.04% | 1.08% | 1.04% | 0.88% | 0.73% | -0.01% | -0.15% | -119 bps | |
| Return on Equity | 3.38% | 3.74% | 3.73% | 3.48% | 2.87% | 2.28% | -0.05% | -0.39% | -387 bps | |
| Net Interest Margin | 4.65% | 4.76% | 4.87% | 4.94% | 5.04% | 5.16% | 4.69% | 5.54% | +60 bps | |
| Efficiency Ratio | 75.92% | 75.00% | 74.77% | 77.97% | 79.01% | 82.98% | 98.60% | 101.65% | +2,368 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.23% | -3.06% | -5.55% | -11.46% | -9.42% | -10.38% | -7.19% | -21.09% | -963 bps | |
| Loan Growth (YoY) | -8.19% | 1.56% | 6.88% | 11.86% | 25.85% | 26.08% | 22.55% | 22.12% | +1,026 bps | |
| Share Growth (YoY) | -0.87% | -5.48% | -9.00% | -16.79% | -14.22% | -15.36% | -10.76% | -30.24% | -1,345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.32% | 0.00% | 0.00% | 0.00% | 0 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 | 0.18% | 0.18% | 0.27% | 0.27% | 0.49% | 0.27% | 0.30% | 0.30% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.91% | 27.88% | 28.94% | 29.86% | 30.75% | 31.84% | 31.63% | 37.94% | +809 bps | |
| Net Worth / Assets | 26.91% | 27.88% | 28.94% | 29.86% | 30.75% | 31.84% | 31.63% | 37.94% | +809 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.69% | 55.22% | 61.51% | 64.09% | 71.44% | 82.25% | 84.47% | 112.21% | +4,811 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Worth, TX · Charter 67468 · 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
-0.17%
Rank 48 of 60
Net Interest Margin
5.51%
Rank 3 of 60
Efficiency Ratio
101.92%
Rank 55 of 60
Equity / Assets
37.93%
Rank 1 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.17% | 0.02% | 0.62% | 0.99% | Beats 20% | 48 / 60 | ||
| Return on Equity | -0.44% | 0.12% | 4.17% | 8.32% | Beats 22% | 47 / 60 | ||
| Net Interest Margin | 5.51% | 3.36% | 3.95% | 4.45% | Beats 95% | 3 / 60 | ||
| Efficiency Ratio | 101.92% | 70.09% | 78.52% | 92.77% | Beats 10% | 55 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.25% | 0.82% | 1.91% | Beats 100% | 3 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 37.93% | 11.15% | 14.35% | 19.86% | Beats 98% | 1 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 37.93% | 11.15% | 14.35% | 19.86% | Beats 98% | 1 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 112.17% | 51.31% | 60.45% | 81.20% | 98th pctl | 1 / 60 | ||
| Loans / Assets | 69.50% | 41.11% | 52.43% | 68.66% | 80th pctl | 12 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||