Del Rio, TX · Charter 67531
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
97
Asset Quality
2
Profitability
46
Liquidity
90
Efficiency
19
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.
Del Rio, TX · Charter 67531
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 | 0.36% | -0.43% | -1.83% | 0.20% | 0.10% | -26 bps | |
| Return on Equity | 0.99% | -1.17% | -4.99% | 0.56% | 0.27% | -72 bps | |
| Net Interest Margin | 6.05% | 6.20% | 6.29% | 5.46% | 6.28% | +23 bps | |
| Efficiency Ratio | 91.58% | 92.11% | 95.82% | 104.91% | 94.65% | +307 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.65% | -3.54% | -6.34% | -3.47% | -7.15% | -980 bps | |
| Loan Growth (YoY) | 41.63% | 24.80% | 18.55% | 18.23% | 6.16% | -3,547 bps | |
| Share Growth (YoY) | 3.84% | -5.30% | -7.44% | -2.73% | -8.35% | -1,219 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.25% | 2.00% | 3.75% | 0.77% | 5.07% | +182 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 1.34% | 2.21% | 1.78% | 2.04% | +113 bps | |
| Capital | |||||||
| Risk-Based Capital | 36.42% | 37.05% | 36.78% | 36.23% | 37.22% | +80 bps | |
| Net Worth / Assets | 36.42% | 37.05% | 36.78% | 36.23% | 37.22% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.92% | 58.49% | 63.05% | 66.29% | 64.77% | +885 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Del Rio, TX · Charter 67531 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.17% | 0.57% | 1.10% | Beats 22% | 184 / 235 | |
| Return on Equity | 0.33% | 1.03% | 4.30% | 7.58% | Beats 17% | 194 / 235 | |
| Net Interest Margin | 6.29% | 3.32% | 3.89% | 4.35% | Beats 99% | 2 / 235 | |
| Efficiency Ratio | 94.39% | 70.60% | 82.00% | 91.57% | Beats 19% | 192 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.11% | 0.20% | 0.59% | 1.14% | Beats 2% | 231 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 37.22% | 11.30% | 14.41% | 19.49% | Beats 97% | 8 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 37.22% | 11.30% | 14.41% | 19.49% | Beats 97% | 8 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.79% | 54.18% | 67.38% | 81.66% | 44th pctl | 131 / 235 | |
| Loans / Assets | 40.46% | 43.80% | 56.63% | 68.64% | 20th pctl | 188 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||