Denton, TX · Charter 67535
NCUA · 15 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 $1B-$10B in assets (n=435). 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
98
Profitability
84
Liquidity
0
Efficiency
96
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.
Denton, TX · Charter 67535
NCUA · 15 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 | 1.43% | 1.31% | 1.29% | 1.44% | 1.51% | 1.52% | 1.47% | 1.57% | +13 bps | |
| Return on Equity | 8.60% | 7.86% | 7.77% | 8.83% | 9.12% | 8.96% | 8.63% | 9.12% | +30 bps | |
| Net Interest Margin | 3.70% | 3.75% | 3.82% | 3.83% | 3.86% | 3.93% | 4.04% | 4.09% | +27 bps | |
| Efficiency Ratio | 56.79% | 56.65% | 59.89% | 58.57% | 57.73% | 56.66% | 54.30% | 54.10% | -448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.78% | 3.57% | 4.40% | 7.15% | 7.73% | 7.53% | 5.93% | 3.53% | -362 bps | |
| Loan Growth (YoY) | -3.06% | 3.30% | 6.12% | 7.32% | 9.10% | 4.15% | 6.94% | 7.65% | +32 bps | |
| Share Growth (YoY) | 0.46% | 2.45% | 3.42% | 6.77% | 7.43% | 7.11% | 5.16% | 2.43% | -434 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.15% | 0.11% | 0.07% | 0.10% | 0.17% | 0.16% | 0.13% | +6 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 | 16.58% | 16.71% | 16.58% | 16.32% | 16.61% | 16.90% | 17.06% | 17.19% | +87 bps | |
| Net Worth / Assets | 16.58% | 16.71% | 16.58% | 16.32% | 16.61% | 16.90% | 17.06% | 17.19% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.42% | 106.28% | 102.44% | 100.37% | 100.96% | 103.35% | 104.17% | 105.48% | +511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Denton, TX · Charter 67535 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
1.57%
Rank 29 of 435
Net Interest Margin
4.09%
Rank 41 of 435
Efficiency Ratio
54.10%
Rank 20 of 435
Equity / Assets
17.19%
Rank 15 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.55% | 0.81% | 1.14% | Beats 93% | 29 / 435 | ||
| Return on Equity | 9.12% | 5.12% | 7.41% | 9.70% | Beats 69% | 133 / 435 | ||
| Net Interest Margin | 4.09% | 3.01% | 3.39% | 3.75% | Beats 91% | 41 / 435 | ||
| Efficiency Ratio | 54.10% | 65.25% | 71.39% | 77.86% | Beats 96% | 20 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.45% | 0.69% | 1.05% | Beats 98% | 8 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.19% | 9.81% | 10.84% | 12.63% | Beats 97% | 15 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.19% | 9.81% | 10.84% | 12.63% | Beats 97% | 15 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.48% | 78.33% | 88.38% | 95.61% | 95th pctl | 23 / 435 | ||
| Loans / Assets | 86.63% | 67.69% | 74.58% | 80.80% | 93rd pctl | 31 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||