PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fort Worth City

Fort Worth, TX · Charter 67532

NCUA · 2 branches

Q2 2026

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.36%1.01%1.92%1.91%+57 bps
Return on Equity10.60%10.64%7.99%15.17%14.62%+402 bps
Net Interest Margin2.85%2.87%2.52%3.29%3.32%+46 bps
Efficiency Ratio63.30%62.79%69.80%55.98%56.69%-661 bps
Growth
Asset Growth (YoY)3.19%4.34%7.11%6.05%6.94%+375 bps
Loan Growth (YoY)8.35%9.03%9.24%9.06%6.72%-163 bps
Share Growth (YoY)2.72%3.67%6.80%5.76%7.75%+502 bps
Asset Quality
Delinquent Loans / Loans0.10%0.07%0.03%0.03%0.03%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.65%12.81%12.59%12.68%13.10%+44 bps
Net Worth / Assets12.65%12.81%12.59%12.68%13.10%+44 bps
Liquidity & Funding
Loans / Shares64.08%64.17%64.71%63.18%63.47%-61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps