Tyler, TX · Charter 67638
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
61
Asset Quality
28
Profitability
34
Liquidity
88
Efficiency
37
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 67638
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 | 0.82% | 0.39% | 0.57% | 0.11% | 0.29% | 0.14% | -0.86% | -0.01% | -12 bps | |
| Return on Equity | 4.95% | 2.44% | 3.74% | 0.72% | 1.86% | 0.85% | -5.45% | -0.05% | -77 bps | |
| Net Interest Margin | 4.43% | 3.99% | 4.03% | 4.04% | 4.15% | 4.29% | 4.26% | 4.27% | +23 bps | |
| Efficiency Ratio | 74.54% | 81.07% | 81.24% | 85.92% | 82.53% | 85.08% | 87.89% | 86.25% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.05% | 4.74% | 7.21% | 7.01% | 6.42% | -0.27% | -4.80% | -3.43% | -1,044 bps | |
| Loan Growth (YoY) | -1.98% | -7.16% | -11.76% | -12.38% | -14.84% | -15.50% | -12.21% | -4.43% | +795 bps | |
| Share Growth (YoY) | 0.28% | 5.73% | 8.17% | 8.13% | 7.64% | 0.32% | -5.31% | -3.97% | -1,210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 1.27% | 1.92% | 1.70% | 1.38% | 1.61% | 0.95% | 1.04% | -66 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 | 16.65% | 15.95% | 15.32% | 15.39% | 15.66% | 16.13% | 15.86% | 16.01% | +62 bps | |
| Net Worth / Assets | 16.65% | 15.95% | 15.32% | 15.39% | 15.66% | 16.13% | 15.86% | 16.01% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.03% | 79.29% | 71.72% | 70.71% | 68.07% | 66.79% | 66.49% | 70.37% | -34 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 67638 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.01%
Rank 200 of 235
Net Interest Margin
4.27%
Rank 64 of 235
Efficiency Ratio
86.19%
Rank 148 of 235
Equity / Assets
16.02%
Rank 91 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.01% | 0.17% | 0.57% | 1.10% | Beats 15% | 200 / 235 | ||
| Return on Equity | -0.04% | 1.03% | 4.30% | 7.58% | Beats 15% | 200 / 235 | ||
| Net Interest Margin | 4.27% | 3.32% | 3.89% | 4.35% | Beats 73% | 64 / 235 | ||
| Efficiency Ratio | 86.19% | 70.60% | 82.00% | 91.57% | Beats 37% | 148 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.04% | 0.20% | 0.59% | 1.14% | Beats 28% | 171 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.02% | 11.30% | 14.41% | 19.49% | Beats 61% | 91 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.02% | 11.30% | 14.41% | 19.49% | Beats 61% | 91 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.37% | 54.18% | 67.38% | 81.66% | 56th pctl | 104 / 235 | ||
| Loans / Assets | 59.06% | 43.80% | 56.63% | 68.64% | 54th pctl | 107 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||