Garland, TX · Charter 67470
NCUA · 7 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
52
Asset Quality
63
Profitability
39
Liquidity
41
Efficiency
23
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.
Garland, TX · Charter 67470
NCUA · 7 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 | 0.44% | 0.33% | 0.21% | 0.33% | 0.51% | 0.54% | -0.07% | 0.02% | -31 bps | |
| Return on Equity | 3.12% | 2.38% | 1.55% | 2.31% | 3.47% | 3.76% | -0.49% | 0.13% | -218 bps | |
| Net Interest Margin | 4.27% | 3.80% | 4.33% | 4.44% | 4.58% | 4.62% | 4.35% | 4.32% | -12 bps | |
| Efficiency Ratio | 88.49% | 88.84% | 88.19% | 86.78% | 83.73% | 83.40% | 97.89% | 93.13% | +636 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.18% | 10.19% | 10.66% | 9.41% | 9.28% | -3.94% | -2.66% | -0.09% | -950 bps | |
| Loan Growth (YoY) | -0.81% | 8.17% | 5.53% | 3.04% | 4.04% | -4.49% | -1.09% | 2.53% | -51 bps | |
| Share Growth (YoY) | -5.46% | 9.48% | 10.28% | 8.81% | 8.44% | -4.30% | -3.23% | -0.34% | -915 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.58% | 0.64% | 0.63% | 0.79% | 1.08% | 0.46% | 0.59% | -4 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 | 14.04% | 13.91% | 13.84% | 14.14% | 14.69% | 14.46% | 15.16% | 14.73% | +59 bps | |
| Net Worth / Assets | 14.04% | 13.91% | 13.84% | 14.14% | 14.69% | 14.46% | 15.16% | 14.73% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.84% | 79.27% | 76.24% | 75.23% | 77.57% | 79.11% | 77.92% | 77.39% | +217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Garland, TX · Charter 67470 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 7 branches
Q2 2026
Return on Assets
0.02%
Rank 45 of 60
Net Interest Margin
4.32%
Rank 19 of 60
Efficiency Ratio
93.13%
Rank 47 of 60
Equity / Assets
14.73%
Rank 29 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.02% | 0.02% | 0.62% | 0.99% | Beats 25% | 45 / 60 | ||
| Return on Equity | 0.12% | 0.12% | 4.17% | 8.32% | Beats 25% | 45 / 60 | ||
| Net Interest Margin | 4.32% | 3.36% | 3.95% | 4.45% | Beats 68% | 19 / 60 | ||
| Efficiency Ratio | 93.13% | 70.09% | 78.52% | 92.77% | Beats 23% | 47 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.25% | 0.82% | 1.91% | Beats 63% | 23 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.73% | 11.15% | 14.35% | 19.86% | Beats 52% | 29 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.73% | 11.15% | 14.35% | 19.86% | Beats 52% | 29 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.39% | 51.31% | 60.45% | 81.20% | 70th pctl | 18 / 60 | ||
| Loans / Assets | 65.54% | 41.11% | 52.43% | 68.66% | 70th pctl | 18 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||