Paris, TX · Charter 67499
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
78
Asset Quality
13
Profitability
38
Liquidity
62
Efficiency
12
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.
Paris, TX · Charter 67499
NCUA · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.08% | 0.06% | 0.03% | 0.03% | -8 bps | |
| Return on Equity | 0.56% | 0.38% | 0.30% | 0.17% | 0.14% | -41 bps | |
| Net Interest Margin | 4.21% | 4.34% | 4.54% | 4.85% | 4.56% | +35 bps | |
| Efficiency Ratio | 97.49% | 98.25% | 98.66% | 99.32% | 99.36% | +188 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.14% | -2.52% | -3.19% | -4.12% | -6.33% | -747 bps | |
| Loan Growth (YoY) | -26.20% | 11.65% | -4.28% | -1.47% | 14.70% | +4,090 bps | |
| Share Growth (YoY) | 1.27% | -3.41% | -4.09% | -5.13% | -7.83% | -911 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.73% | 14.66% | 1.90% | +190 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 1.43% | 1.61% | 1.69% | 1.77% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.04% | 19.80% | 20.10% | 20.02% | 20.35% | +131 bps | |
| Net Worth / Assets | 19.04% | 19.80% | 20.10% | 20.02% | 20.35% | +131 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.15% | 65.10% | 62.60% | 58.89% | 57.44% | +1,128 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Paris, TX · Charter 67499 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.00%
Rank 198 of 235
Net Interest Margin
4.67%
Rank 36 of 235
Efficiency Ratio
100.00%
Rank 210 of 235
Equity / Assets
20.33%
Rank 52 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.17% | 0.57% | 1.10% | Beats 15% | 198 / 235 | |
| Return on Equity | 0.00% | 1.03% | 4.30% | 7.58% | Beats 15% | 198 / 235 | |
| Net Interest Margin | 4.67% | 3.32% | 3.89% | 4.35% | Beats 85% | 36 / 235 | |
| Efficiency Ratio | 100.00% | 70.60% | 82.00% | 91.57% | Beats 12% | 210 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.05% | 0.20% | 0.59% | 1.14% | Beats 13% | 205 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.33% | 11.30% | 14.41% | 19.49% | Beats 78% | 52 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.33% | 11.30% | 14.41% | 19.49% | Beats 78% | 52 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.35% | 54.18% | 67.38% | 81.66% | 31st pctl | 163 / 235 | |
| Loans / Assets | 45.56% | 43.80% | 56.63% | 68.64% | 26th pctl | 173 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||