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Del Rio S.P.

Del Rio, TX · Charter 67531

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in TX3

Basis

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.

Peer group

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.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

2

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Del Rio S.P.

Del Rio, TX · Charter 67531

NCUA · 1 branch

Q2 2026

$3.2MAssets
$1.3MLoans
$2.0MShares
$1.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

0.10%-26 bps YoY

Net Interest Margin (YTD, annualized)

6.28%+23 bps YoY

Efficiency Ratio (YTD, annualized)

94.65%+307 bps YoY

Net Worth / Assets

37.22%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.36%-0.43%-1.83%0.20%0.10%-26 bps
Net Interest Margin6.05%6.20%6.29%5.46%6.28%+23 bps
Asset Growth (YoY)2.65%-3.54%-6.34%-3.47%-7.15%-980 bps
Share Growth (YoY)3.84%-5.30%-7.44%-2.73%-8.35%-1,219 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital36.42%37.05%36.78%36.23%37.22%+80 bps
Loans / Shares55.92%58.49%63.05%66.29%64.77%+885 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Del Rio S.P.

Del Rio, TX · Charter 67531 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 1 branch

Q2 2026

$3.2MAssets
$1.3MLoans
$2.0MShares
$1.2MNet Worth

Return on Assets

0.12%

Rank 184 of 235

Net Interest Margin

6.29%

Rank 2 of 235

Efficiency Ratio

94.39%

Rank 192 of 235

Equity / Assets

37.22%

Rank 8 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets0.12%0.17%0.57%1.10%Beats 22%184 / 235
Net Interest Margin6.29%3.32%3.89%4.35%Beats 99%2 / 235
Nonperforming Loans / Loans5.11%0.20%0.59%1.14%Beats 2%231 / 235
Tier 1 Capital Ratio37.22%11.30%14.41%19.49%Beats 97%8 / 235
Equity / Assets37.22%11.30%14.41%19.49%Beats 97%8 / 235
Loans / Assets40.46%43.80%56.63%68.64%20th pctl188 / 235