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Baylor Health Care System

Dallas, TX · Charter 67544

NCUA · 1 branch

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

87

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

37

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

Baylor Health Care System

Dallas, TX · Charter 67544

NCUA · 1 branch

Q2 2026

$80.6MAssets
$33.3MLoans
$62.0MShares
$17.7MNet Worth

Return on Assets (YTD, annualized)

0.66%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-29 bps YoY

Efficiency Ratio (YTD, annualized)

85.22%+177 bps YoY

Net Worth / Assets

21.91%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.56%0.69%0.60%0.65%0.73%0.77%0.71%0.66%+1 bps
Net Interest Margin3.86%3.85%3.58%3.71%3.82%3.70%3.33%3.42%-29 bps
Asset Growth (YoY)-7.02%-3.57%-2.06%-2.23%-1.24%1.07%-0.11%1.43%+366 bps
Share Growth (YoY)-10.54%-5.90%-4.09%-4.69%-2.92%-0.38%-2.33%-0.92%+377 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital21.36%21.49%21.41%22.05%22.31%21.90%22.10%21.91%-14 bps
Loans / Shares71.46%68.78%63.58%62.05%58.74%54.60%53.58%53.62%-843 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

Baylor Health Care System

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

$80.6MAssets
$33.3MLoans
$62.0MShares
$17.7MNet Worth

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.66%0.02%0.62%0.99%Beats 52%29 / 60
Net Interest Margin3.42%3.36%3.95%4.45%Beats 28%43 / 60
Nonperforming Loans / Loans1.54%0.25%0.82%1.91%Beats 27%45 / 60
Tier 1 Capital Ratio21.91%11.15%14.35%19.86%Beats 87%8 / 60
Equity / Assets21.91%11.15%14.35%19.86%Beats 87%8 / 60
Loans / Assets41.27%41.11%52.43%68.66%27th pctl44 / 60