Tyler, TX · Charter 67474
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 TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
100
Profitability
37
Liquidity
91
Efficiency
8
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.
Tyler, TX · Charter 67474
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 | 0.98% | 0.95% | 1.05% | 1.48% | 1.20% | 0.74% | -0.19% | -0.22% | -170 bps | |
| Return on Equity | 3.71% | 3.56% | 4.01% | 5.30% | 4.39% | 2.72% | -0.68% | -0.77% | -607 bps | |
| Net Interest Margin | 5.36% | 5.39% | 5.37% | 5.66% | 5.41% | 5.30% | 4.63% | 4.84% | -82 bps | |
| Efficiency Ratio | 76.39% | 77.73% | 81.40% | 79.27% | 80.85% | 85.38% | 104.01% | 100.09% | +2,082 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.75% | 10.53% | 12.58% | 4.70% | 0.22% | -0.11% | -7.28% | -4.93% | -963 bps | |
| Loan Growth (YoY) | -8.66% | -7.34% | -11.19% | -11.25% | -18.69% | -23.11% | -30.70% | -27.80% | -1,656 bps | |
| Share Growth (YoY) | 12.08% | 13.25% | 12.13% | 4.54% | -1.22% | -1.16% | -7.69% | -6.71% | -1,125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.50% | 0.31% | 0.53% | 0.36% | 0.39% | 0.00% | 0.04% | -49 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 | 0.73% | 0.41% | 0.44% | 0.26% | 0.35% | 0.08% | 0.10% | 0.33% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.39% | 26.63% | 26.25% | 27.84% | 27.44% | 27.40% | 28.76% | 29.19% | +135 bps | |
| Net Worth / Assets | 26.39% | 26.63% | 26.25% | 27.84% | 27.44% | 27.40% | 28.76% | 29.19% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.42% | 86.58% | 81.31% | 84.16% | 73.60% | 67.35% | 61.04% | 65.13% | -1,903 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tyler, TX · Charter 67474 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.23%
Rank 209 of 235
Net Interest Margin
4.78%
Rank 26 of 235
Efficiency Ratio
102.27%
Rank 217 of 235
Equity / Assets
29.21%
Rank 16 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.23% | 0.17% | 0.57% | 1.10% | Beats 11% | 209 / 235 | ||
| Return on Equity | -0.78% | 1.03% | 4.30% | 7.58% | Beats 12% | 206 / 235 | ||
| Net Interest Margin | 4.78% | 3.32% | 3.89% | 4.35% | Beats 89% | 26 / 235 | ||
| Efficiency Ratio | 102.27% | 70.60% | 82.00% | 91.57% | Beats 8% | 217 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 29.21% | 11.30% | 14.41% | 19.49% | Beats 93% | 16 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 29.21% | 11.30% | 14.41% | 19.49% | Beats 93% | 16 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.14% | 54.18% | 67.38% | 81.66% | 46th pctl | 128 / 235 | ||
| Loans / Assets | 46.07% | 43.80% | 56.63% | 68.64% | 28th pctl | 169 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||