PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dallas U.P. Employees

Dallas, TX · Charter 67547

NCUA · 1 branch

Q2 2026

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

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.

Return on Assets (quarter, annualized)

1.69%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.88%-9 bps YoY

Efficiency Ratio (quarter, annualized)

71.17%+429 bps YoY

Net Worth / Assets

24.32%+100 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.17%1.03%1.41%1.48%1.44%2.24%1.69%+28 bps
Return on Equity5.80%5.08%4.48%6.04%6.37%6.02%9.26%6.95%+91 bps
Net Interest Margin3.84%3.79%3.96%3.97%3.94%4.05%3.88%3.88%-9 bps
Efficiency Ratio62.96%62.98%62.75%66.87%65.82%67.29%65.46%71.17%+429 bps
Growth
Asset Growth (YoY)1.22%4.09%6.04%5.91%7.41%3.15%2.69%2.49%-343 bps
Loan Growth (YoY)6.59%-0.69%-0.14%0.67%1.77%4.64%1.85%-2.01%-268 bps
Share Growth (YoY)0.83%4.70%6.39%5.99%7.96%2.19%1.16%1.07%-493 bps
Asset Quality
Delinquent Loans / Loans0.83%0.42%0.52%0.32%1.15%0.73%0.85%1.54%+122 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.56%23.13%23.10%23.32%23.21%23.86%24.23%24.32%+100 bps
Net Worth / Assets23.56%23.13%23.10%23.32%23.21%23.86%24.23%24.32%+100 bps
Liquidity & Funding
Loans / Shares89.01%86.12%85.05%84.77%83.90%88.18%85.63%82.19%-258 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps