Tyler, TX · Charter 67587
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 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
1
Asset Quality
44
Profitability
49
Liquidity
92
Efficiency
47
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 67587
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 | 0.38% | 0.30% | 5.91% | 3.17% | 2.34% | 1.56% | 0.68% | 0.63% | -255 bps | |
| Return on Equity | 5.26% | 4.16% | 68.62% | 37.11% | 26.75% | 19.05% | 9.93% | 8.85% | -2,826 bps | |
| Net Interest Margin | 3.20% | 3.15% | 13.38% | 3.96% | 4.00% | 3.66% | 2.63% | 3.16% | -80 bps | |
| Efficiency Ratio | 91.97% | 93.95% | 38.51% | 56.15% | 64.30% | 70.14% | 77.24% | 82.85% | +2,670 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.87% | -5.78% | 1.82% | 5.49% | 2.99% | 6.76% | 6.49% | 2.76% | -273 bps | |
| Loan Growth (YoY) | -12.83% | -11.59% | -7.42% | 1.86% | 6.10% | 8.05% | 10.00% | 1.51% | -35 bps | |
| Share Growth (YoY) | -6.30% | -6.11% | 0.56% | 3.62% | 0.82% | 5.09% | 7.59% | 3.97% | +35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 1.80% | 0.61% | 0.81% | 1.26% | 1.36% | 1.38% | 0.64% | -17 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 | 7.21% | 7.11% | 8.62% | 8.55% | 8.73% | 8.20% | 6.85% | 7.07% | -147 bps | |
| Net Worth / Assets | 7.21% | 7.11% | 8.62% | 8.55% | 8.73% | 8.20% | 6.85% | 7.07% | -147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.38% | 63.38% | 63.21% | 66.76% | 68.81% | 65.17% | 64.63% | 65.18% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tyler, TX · Charter 67587 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.63%
Rank 112 of 235
Net Interest Margin
3.16%
Rank 199 of 235
Efficiency Ratio
82.95%
Rank 126 of 235
Equity / Assets
7.07%
Rank 233 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.17% | 0.57% | 1.10% | Beats 52% | 112 / 235 | ||
| Return on Equity | 8.87% | 1.03% | 4.30% | 7.58% | Beats 80% | 47 / 235 | ||
| Net Interest Margin | 3.16% | 3.32% | 3.89% | 4.35% | Beats 15% | 199 / 235 | ||
| Efficiency Ratio | 82.95% | 70.60% | 82.00% | 91.57% | Beats 47% | 126 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.64% | 0.20% | 0.59% | 1.14% | Beats 44% | 132 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.07% | 11.30% | 14.41% | 19.49% | Beats 1% | 233 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.07% | 11.30% | 14.41% | 19.49% | Beats 1% | 233 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.18% | 54.18% | 67.38% | 81.66% | 46th pctl | 127 / 235 | ||
| Loans / Assets | 59.77% | 43.80% | 56.63% | 68.64% | 56th pctl | 103 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||