Dallas, TX · Charter 67681
NCUA · 16 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
9
Profitability
39
Liquidity
54
Efficiency
53
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.
Dallas, TX · Charter 67681
NCUA · 16 branches
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 | 0.44% | 0.38% | 0.16% | 0.26% | 0.51% | 0.54% | 0.69% | 0.66% | +40 bps | |
| Return on Equity | 4.44% | 3.69% | 1.58% | 2.51% | 4.87% | 5.10% | 6.56% | 6.09% | +358 bps | |
| Net Interest Margin | 2.60% | 2.82% | 3.03% | 3.10% | 3.18% | 3.24% | 3.33% | 3.39% | +29 bps | |
| Efficiency Ratio | 69.15% | 70.00% | 74.84% | 72.91% | 71.27% | 71.01% | 70.95% | 70.97% | -194 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.04% | 3.94% | 2.29% | 1.70% | -4.27% | 0.26% | -0.51% | -0.24% | -194 bps | |
| Loan Growth (YoY) | 6.92% | 5.20% | 3.79% | -0.17% | -5.78% | -4.98% | -3.11% | -1.25% | -109 bps | |
| Share Growth (YoY) | 4.70% | 5.66% | 5.96% | 5.52% | -1.31% | -0.98% | -1.52% | -0.99% | -651 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.33% | 0.94% | 1.16% | 1.32% | 1.38% | 1.54% | 1.54% | +38 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 | 9.90% | 10.39% | 10.04% | 10.23% | 10.51% | 10.66% | 10.52% | 10.76% | +52 bps | |
| Net Worth / Assets | 9.90% | 10.39% | 10.04% | 10.23% | 10.51% | 10.66% | 10.52% | 10.76% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.22% | 81.02% | 78.12% | 77.72% | 78.50% | 77.75% | 76.86% | 77.51% | -21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dallas, TX · Charter 67681 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.66%
Rank 292 of 435
Net Interest Margin
3.39%
Rank 218 of 435
Efficiency Ratio
70.97%
Rank 205 of 435
Equity / Assets
10.76%
Rank 232 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.55% | 0.81% | 1.14% | Beats 33% | 292 / 435 | ||
| Return on Equity | 6.09% | 5.12% | 7.41% | 9.70% | Beats 35% | 283 / 435 | ||
| Net Interest Margin | 3.39% | 3.01% | 3.39% | 3.75% | Beats 50% | 218 / 435 | ||
| Efficiency Ratio | 70.97% | 65.25% | 71.39% | 77.86% | Beats 53% | 205 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.54% | 0.45% | 0.69% | 1.05% | Beats 9% | 397 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.76% | 9.81% | 10.84% | 12.63% | Beats 47% | 232 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.76% | 9.81% | 10.84% | 12.63% | Beats 47% | 232 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.51% | 78.33% | 88.38% | 95.61% | 23rd pctl | 334 / 435 | ||
| Loans / Assets | 68.82% | 67.69% | 74.58% | 80.80% | 28th pctl | 312 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||