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Dallas U.P. Employees

Dallas, TX · Charter 67547

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 TX3

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 TX (n=235). 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

74

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

Dallas U.P. Employees

Dallas, TX · Charter 67547

NCUA · 1 branch

Q2 2026

$27.2MAssets
$16.8MLoans
$20.5MShares
$6.6MNet 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 1.69%, up 28 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 1.54% of loans (+122 bps YoY).
  • Capital: net worth / assets of 24.32%, up 100 bps from a year ago.
  • Funding: loans stand at 82.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.88%-9 bps YoY

Efficiency Ratio (YTD, annualized)

71.17%+429 bps YoY

Net Worth / Assets

24.32%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.48%1.44%2.24%1.69%+28 bps
Return on Equity6.04%6.37%6.02%9.26%6.95%+91 bps
Net Interest Margin3.97%3.94%4.05%3.88%3.88%-9 bps
Efficiency Ratio66.87%65.82%67.29%65.46%71.17%+429 bps
Growth
Asset Growth (YoY)5.91%7.41%3.15%2.69%2.49%-343 bps
Loan Growth (YoY)0.67%1.77%4.64%1.85%-2.01%-268 bps
Share Growth (YoY)5.99%7.96%2.19%1.16%1.07%-493 bps
Asset Quality
Delinquent Loans / Loans0.32%1.15%0.73%0.85%1.54%+122 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 Capital23.32%23.21%23.86%24.23%24.32%+100 bps
Net Worth / Assets23.32%23.21%23.86%24.23%24.32%+100 bps
Liquidity & Funding
Loans / Shares84.77%83.90%88.18%85.63%82.19%-258 bps
Liquid Assets / Assets0.00%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

Dallas U.P. Employees

Dallas, TX · Charter 67547 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 1 branch

Q2 2026

$27.2MAssets
$16.8MLoans
$20.5MShares
$6.6MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 91% of credit unions under $1B in assets in TX (rank 21 of 235).
  • Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets in TX (rank 193 of 235).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.69%

Rank 21 of 235

Net Interest Margin

3.88%

Rank 119 of 235

Efficiency Ratio

71.28%

Rank 61 of 235

Equity / Assets

24.32%

Rank 29 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.69%0.17%0.57%1.10%Beats 91%21 / 235
Return on Equity6.94%1.03%4.30%7.58%Beats 71%69 / 235
Net Interest Margin3.88%3.32%3.89%4.35%Beats 49%119 / 235
Efficiency Ratio71.28%70.60%82.00%91.57%Beats 74%61 / 235
Asset Quality
Nonperforming Loans / Loans1.54%0.20%0.59%1.14%Beats 18%193 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio24.32%11.30%14.41%19.49%Beats 88%29 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets24.32%11.30%14.41%19.49%Beats 88%29 / 235
Liquidity & Funding
Loans / Deposits82.19%54.18%67.38%81.66%75th pctl58 / 235
Loans / Assets61.99%43.80%56.63%68.64%63rd pctl88 / 235
Brokered Deposits / Depositsn/aNot reported for this institution