Fort Worth, TX · Charter 67928
NCUA · 22 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
76
Asset Quality
76
Profitability
69
Liquidity
66
Efficiency
98
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.
Fort Worth, TX · Charter 67928
NCUA · 22 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 | 1.40% | 1.29% | 1.32% | 1.34% | 1.41% | 1.38% | 1.56% | 1.60% | +26 bps | |
| Return on Equity | 10.98% | 10.26% | 10.61% | 10.66% | 11.17% | 10.90% | 12.40% | 12.61% | +195 bps | |
| Net Interest Margin | 2.87% | 2.85% | 2.84% | 2.92% | 2.90% | 2.93% | 2.91% | 2.92% | +1 bps | |
| Efficiency Ratio | 57.84% | 57.64% | 57.47% | 57.98% | 56.59% | 56.43% | 52.11% | 51.07% | -691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.12% | 10.00% | 10.96% | 11.74% | 12.82% | 11.50% | 11.42% | 11.56% | -17 bps | |
| Loan Growth (YoY) | 8.54% | 9.92% | 9.35% | 10.50% | 11.36% | 12.02% | 12.71% | 14.03% | +353 bps | |
| Share Growth (YoY) | 8.49% | 9.86% | 10.61% | 11.49% | 12.55% | 10.90% | 11.07% | 11.26% | -22 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.52% | 0.41% | 0.39% | 0.44% | 0.45% | 0.42% | 0.45% | +6 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 | 12.77% | 12.61% | 12.48% | 12.54% | 12.58% | 12.64% | 12.57% | 12.70% | +15 bps | |
| Net Worth / Assets | 12.77% | 12.61% | 12.48% | 12.54% | 12.58% | 12.64% | 12.57% | 12.70% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.93% | 91.99% | 89.59% | 90.84% | 90.96% | 92.91% | 90.92% | 93.09% | +226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Worth, TX · Charter 67928 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
Return on Assets
1.60%
Rank 23 of 435
Net Interest Margin
2.92%
Rank 348 of 435
Efficiency Ratio
51.07%
Rank 11 of 435
Equity / Assets
12.70%
Rank 104 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.55% | 0.81% | 1.14% | Beats 95% | 23 / 435 | ||
| Return on Equity | 12.61% | 5.12% | 7.41% | 9.70% | Beats 93% | 32 / 435 | ||
| Net Interest Margin | 2.92% | 3.01% | 3.39% | 3.75% | Beats 20% | 348 / 435 | ||
| Efficiency Ratio | 51.07% | 65.25% | 71.39% | 77.86% | Beats 98% | 11 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.45% | 0.69% | 1.05% | Beats 76% | 106 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.70% | 9.81% | 10.84% | 12.63% | Beats 76% | 104 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.70% | 9.81% | 10.84% | 12.63% | Beats 76% | 104 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.09% | 78.33% | 88.38% | 95.61% | 65th pctl | 151 / 435 | ||
| Loans / Assets | 80.45% | 67.69% | 74.58% | 80.80% | 74th pctl | 115 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||