Dallas, TX · Charter 67544
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 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.
Capital
87
Asset Quality
27
Profitability
39
Liquidity
65
Efficiency
37
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.
Dallas, TX · Charter 67544
NCUA · 1 branch
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 | 0.56% | 0.69% | 0.60% | 0.65% | 0.73% | 0.77% | 0.71% | 0.66% | +1 bps | |
| Return on Equity | 2.61% | 3.20% | 2.78% | 2.95% | 3.29% | 3.52% | 3.22% | 3.01% | +6 bps | |
| Net Interest Margin | 3.86% | 3.85% | 3.58% | 3.71% | 3.82% | 3.70% | 3.33% | 3.42% | -29 bps | |
| Efficiency Ratio | 76.40% | 76.39% | 84.63% | 83.45% | 81.94% | 81.54% | 87.04% | 85.22% | +177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.02% | -3.57% | -2.06% | -2.23% | -1.24% | 1.07% | -0.11% | 1.43% | +366 bps | |
| Loan Growth (YoY) | -13.31% | -15.21% | -17.17% | -19.04% | -20.19% | -20.91% | -17.70% | -14.39% | +465 bps | |
| Share Growth (YoY) | -10.54% | -5.90% | -4.09% | -4.69% | -2.92% | -0.38% | -2.33% | -0.92% | +377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.65% | 1.04% | 1.13% | 1.06% | 1.93% | 1.35% | 1.54% | +41 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 | 21.36% | 21.49% | 21.41% | 22.05% | 22.31% | 21.90% | 22.10% | 21.91% | -14 bps | |
| Net Worth / Assets | 21.36% | 21.49% | 21.41% | 22.05% | 22.31% | 21.90% | 22.10% | 21.91% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.46% | 68.78% | 63.58% | 62.05% | 58.74% | 54.60% | 53.58% | 53.62% | -843 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dallas, TX · Charter 67544 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.66%
Rank 29 of 60
Net Interest Margin
3.42%
Rank 43 of 60
Efficiency Ratio
85.23%
Rank 39 of 60
Equity / Assets
21.91%
Rank 8 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.02% | 0.62% | 0.99% | Beats 52% | 29 / 60 | ||
| Return on Equity | 3.01% | 0.12% | 4.17% | 8.32% | Beats 38% | 37 / 60 | ||
| Net Interest Margin | 3.42% | 3.36% | 3.95% | 4.45% | Beats 28% | 43 / 60 | ||
| Efficiency Ratio | 85.23% | 70.09% | 78.52% | 92.77% | Beats 37% | 39 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.54% | 0.25% | 0.82% | 1.91% | Beats 27% | 45 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.91% | 11.15% | 14.35% | 19.86% | Beats 87% | 8 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.91% | 11.15% | 14.35% | 19.86% | Beats 87% | 8 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.62% | 51.31% | 60.45% | 81.20% | 28th pctl | 43 / 60 | ||
| Loans / Assets | 41.27% | 41.11% | 52.43% | 68.66% | 27th pctl | 44 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||