Tyler, TX · Charter 67869
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
91
Asset Quality
43
Profitability
39
Liquidity
0
Efficiency
75
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 67869
NCUA · 2 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 | 0.32% | 0.27% | 0.43% | 0.49% | 0.46% | 0.52% | 0.95% | 0.87% | +37 bps | |
| Return on Equity | 1.15% | 0.99% | 1.57% | 1.80% | 1.69% | 1.92% | 3.42% | 3.16% | +137 bps | |
| Net Interest Margin | 2.50% | 2.54% | 2.62% | 2.62% | 2.65% | 2.75% | 2.99% | 3.01% | +39 bps | |
| Efficiency Ratio | 90.48% | 93.60% | 85.39% | 84.19% | 83.41% | 81.53% | 69.19% | 70.47% | -1,373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | 4.65% | 3.27% | 2.92% | 1.74% | 2.17% | -0.29% | -0.29% | -322 bps | |
| Loan Growth (YoY) | -5.58% | -6.93% | -5.06% | -3.92% | -4.45% | -5.08% | -7.80% | -4.64% | -72 bps | |
| Share Growth (YoY) | 5.05% | 5.97% | 3.96% | 3.75% | 1.85% | 2.17% | -1.12% | -1.38% | -513 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.58% | 0.34% | 0.40% | 2.11% | 2.55% | 2.34% | 0.68% | +28 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 | 27.87% | 27.60% | 27.45% | 27.44% | 27.38% | 27.15% | 27.80% | 27.38% | -6 bps | |
| Net Worth / Assets | 27.87% | 27.60% | 27.45% | 27.44% | 27.38% | 27.15% | 27.80% | 27.38% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.84% | 100.22% | 98.89% | 98.56% | 97.42% | 93.11% | 92.21% | 95.30% | -326 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 67869 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.87%
Rank 84 of 235
Net Interest Margin
3.00%
Rank 209 of 235
Efficiency Ratio
70.60%
Rank 59 of 235
Equity / Assets
27.38%
Rank 20 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.17% | 0.57% | 1.10% | Beats 64% | 84 / 235 | ||
| Return on Equity | 3.16% | 1.03% | 4.30% | 7.58% | Beats 41% | 139 / 235 | ||
| Net Interest Margin | 3.00% | 3.32% | 3.89% | 4.35% | Beats 11% | 209 / 235 | ||
| Efficiency Ratio | 70.60% | 70.60% | 82.00% | 91.57% | Beats 75% | 59 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.20% | 0.59% | 1.14% | Beats 43% | 136 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.38% | 11.30% | 14.41% | 19.49% | Beats 91% | 20 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 27.38% | 11.30% | 14.41% | 19.49% | Beats 91% | 20 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.30% | 54.18% | 67.38% | 81.66% | 94th pctl | 14 / 235 | ||
| Loans / Assets | 68.93% | 43.80% | 56.63% | 68.64% | 76th pctl | 57 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||