Tyler, TX · Charter 67576
NCUA · 2 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 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.
Capital
2
Asset Quality
4
Profitability
38
Liquidity
69
Efficiency
23
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.
Tyler, TX · Charter 67576
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.10% | 0.12% | 0.17% | 0.30% | +12 bps | |
| Return on Equity | 2.25% | 1.22% | 1.55% | 2.13% | 3.82% | +157 bps | |
| Net Interest Margin | 3.56% | 3.72% | 3.83% | 3.58% | 3.53% | -3 bps | |
| Efficiency Ratio | 96.72% | 96.82% | 95.61% | 96.06% | 92.72% | -400 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.98% | -7.08% | -10.26% | -9.14% | -5.83% | +14 bps | |
| Loan Growth (YoY) | -14.78% | -14.55% | -13.75% | -12.64% | -11.83% | +294 bps | |
| Share Growth (YoY) | -10.59% | -9.75% | -9.90% | -8.44% | -4.50% | +609 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.01% | 2.98% | 2.65% | 1.41% | 4.31% | +230 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.21% | 8.58% | 7.87% | 7.86% | 7.88% | -32 bps | |
| Net Worth / Assets | 8.21% | 8.58% | 7.87% | 7.86% | 7.88% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.07% | 82.98% | 80.08% | 77.13% | 74.84% | -623 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tyler, TX · Charter 67576 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.30%
Rank 156 of 235
Net Interest Margin
3.53%
Rank 152 of 235
Efficiency Ratio
92.68%
Rank 181 of 235
Equity / Assets
7.88%
Rank 230 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.17% | 0.57% | 1.10% | Beats 34% | 156 / 235 | |
| Return on Equity | 3.81% | 1.03% | 4.30% | 7.58% | Beats 46% | 128 / 235 | |
| Net Interest Margin | 3.53% | 3.32% | 3.89% | 4.35% | Beats 35% | 152 / 235 | |
| Efficiency Ratio | 92.68% | 70.60% | 82.00% | 91.57% | Beats 23% | 181 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.31% | 0.20% | 0.59% | 1.14% | Beats 4% | 227 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.88% | 11.30% | 14.41% | 19.49% | Beats 2% | 230 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.88% | 11.30% | 14.41% | 19.49% | Beats 2% | 230 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.85% | 54.18% | 67.38% | 81.66% | 64th pctl | 84 / 235 | |
| Loans / Assets | 66.50% | 43.80% | 56.63% | 68.64% | 73rd pctl | 64 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||