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Fort Worth City

Fort Worth, TX · Charter 67532

NCUA · 2 branches

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 the Dallas-Fort Worth-Arlington, TX area3

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 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.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

92

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

Fort Worth City

Fort Worth, TX · Charter 67532

NCUA · 2 branches

Q2 2026

$336.8MAssets
$187.9MLoans
$296.1MShares
$44.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.91%, up 57 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.03% of loans (-7 bps YoY).
  • Capital: net worth / assets of 13.10%, up 44 bps from a year ago.
  • Funding: loans stand at 63.47% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.91%+57 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+46 bps YoY

Efficiency Ratio (YTD, annualized)

56.69%-661 bps YoY

Net Worth / Assets

13.10%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.70%1.37%1.34%1.36%1.01%1.92%1.91%+57 bps
Return on Equity8.12%5.65%11.15%10.60%10.64%7.99%15.17%14.62%+402 bps
Net Interest Margin2.47%2.27%2.80%2.85%2.87%2.52%3.29%3.32%+46 bps
Efficiency Ratio68.40%75.30%62.03%63.30%62.79%69.80%55.98%56.69%-661 bps
Growth
Asset Growth (YoY)1.00%0.87%2.75%3.19%4.34%7.11%6.05%6.94%+375 bps
Loan Growth (YoY)12.33%12.07%8.82%8.35%9.03%9.24%9.06%6.72%-163 bps
Share Growth (YoY)0.43%0.16%2.34%2.72%3.67%6.80%5.76%7.75%+502 bps
Asset Quality
Delinquent Loans / Loans0.10%0.08%0.05%0.10%0.07%0.03%0.03%0.03%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.40%12.45%12.28%12.65%12.81%12.59%12.68%13.10%+44 bps
Net Worth / Assets12.40%12.45%12.28%12.65%12.81%12.59%12.68%13.10%+44 bps
Liquidity & Funding
Loans / Shares61.02%63.27%61.27%64.08%64.17%64.71%63.18%63.47%-61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 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

Fort Worth City

Fort Worth, TX · Charter 67532 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 2 branches

Q2 2026

$336.8MAssets
$187.9MLoans
$296.1MShares
$44.1MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 6 of 60).
  • Widest gap: net interest margin trails 77% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 46 of 60).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.91%

Rank 6 of 60

Net Interest Margin

3.32%

Rank 46 of 60

Efficiency Ratio

56.70%

Rank 6 of 60

Equity / Assets

13.10%

Rank 34 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.91%0.02%0.62%0.99%Beats 90%6 / 60
Return on Equity14.62%0.12%4.17%8.32%Beats 90%6 / 60
Net Interest Margin3.32%3.36%3.95%4.45%Beats 23%46 / 60
Efficiency Ratio56.70%70.09%78.52%92.77%Beats 92%6 / 60
Asset Quality
Nonperforming Loans / Loans0.03%0.25%0.82%1.91%Beats 90%7 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.10%11.15%14.35%19.86%Beats 43%34 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.10%11.15%14.35%19.86%Beats 43%34 / 60
Liquidity & Funding
Loans / Deposits63.47%51.31%60.45%81.20%53rd pctl28 / 60
Loans / Assets55.80%41.11%52.43%68.66%53rd pctl28 / 60
Brokered Deposits / Depositsn/aNot reported for this institution