Dallas, TX · Charter 67507
NCUA · 2 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
8
Asset Quality
50
Profitability
51
Liquidity
9
Efficiency
70
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.
Dallas, TX · Charter 67507
NCUA · 2 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 | -0.63% | -0.42% | -0.24% | -0.33% | -0.22% | -0.14% | 0.83% | 0.54% | +87 bps | |
| Return on Equity | -7.61% | -4.92% | -2.83% | -3.90% | -2.59% | -1.64% | 9.68% | 6.09% | +1,000 bps | |
| Net Interest Margin | 3.23% | 3.34% | 3.43% | 3.51% | 3.64% | 3.66% | 3.63% | 3.73% | +21 bps | |
| Efficiency Ratio | 84.15% | 83.47% | 83.69% | 83.72% | 84.35% | 82.72% | 66.28% | 74.22% | -950 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.35% | -4.47% | -6.20% | -4.32% | -4.92% | -3.15% | -0.19% | -2.18% | +214 bps | |
| Loan Growth (YoY) | -3.82% | -3.90% | -9.40% | -10.28% | -10.34% | -7.23% | -2.98% | -3.65% | +664 bps | |
| Share Growth (YoY) | -0.44% | -4.30% | -6.40% | -4.22% | -4.90% | -2.78% | -0.09% | -3.24% | +98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.66% | 0.59% | 0.44% | 0.56% | 0.97% | 0.65% | 0.81% | +38 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 | 8.29% | 8.52% | 8.46% | 8.42% | 8.62% | 8.66% | 8.61% | 8.90% | +49 bps | |
| Net Worth / Assets | 8.29% | 8.52% | 8.46% | 8.42% | 8.62% | 8.66% | 8.61% | 8.90% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.97% | 90.25% | 87.72% | 86.98% | 85.77% | 86.12% | 85.18% | 86.61% | -37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dallas, TX · Charter 67507 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 2 branches
Q2 2026
Return on Assets
0.54%
Rank 32 of 60
Net Interest Margin
3.73%
Rank 35 of 60
Efficiency Ratio
74.24%
Rank 19 of 60
Equity / Assets
8.90%
Rank 55 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.54% | 0.02% | 0.62% | 0.99% | Beats 47% | 32 / 60 | ||
| Return on Equity | 6.09% | 0.12% | 4.17% | 8.32% | Beats 63% | 22 / 60 | ||
| Net Interest Margin | 3.73% | 3.36% | 3.95% | 4.45% | Beats 42% | 35 / 60 | ||
| Efficiency Ratio | 74.24% | 70.09% | 78.52% | 92.77% | Beats 70% | 19 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.25% | 0.82% | 1.91% | Beats 50% | 31 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.90% | 11.15% | 14.35% | 19.86% | Beats 8% | 55 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.90% | 11.15% | 14.35% | 19.86% | Beats 8% | 55 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.61% | 51.31% | 60.45% | 81.20% | 85th pctl | 9 / 60 | ||
| Loans / Assets | 77.63% | 41.11% | 52.43% | 68.66% | 90th pctl | 6 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||