Lancaster, TX · Charter 68011
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 the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
68
Profitability
42
Liquidity
72
Efficiency
15
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.
Lancaster, TX · Charter 68011
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 | -0.42% | 0.16% | 0.42% | 0.36% | 0.14% | 0.28% | -0.70% | -0.20% | -56 bps | |
| Return on Equity | -4.75% | 1.72% | 4.65% | 3.85% | 1.51% | 2.86% | -7.76% | -2.13% | -597 bps | |
| Net Interest Margin | 4.72% | 6.41% | 4.52% | 4.74% | 4.93% | 5.53% | 5.05% | 5.34% | +59 bps | |
| Efficiency Ratio | 97.93% | 89.60% | 99.79% | 93.50% | 92.08% | 87.62% | 101.66% | 96.74% | +325 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | -4.23% | -2.78% | -3.98% | -0.64% | -2.05% | -2.91% | -3.73% | +25 bps | |
| Loan Growth (YoY) | -4.12% | -8.35% | -7.57% | -9.46% | -4.67% | -2.39% | -4.88% | -3.40% | +606 bps | |
| Share Growth (YoY) | -2.84% | -4.57% | -3.99% | -5.16% | -1.74% | -2.86% | -2.49% | -4.02% | +114 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.60% | 0.35% | 0.32% | 0.37% | 0.43% | 0.85% | 0.53% | +22 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 | 8.78% | 9.32% | 9.12% | 9.39% | 9.42% | 9.80% | 9.03% | 9.39% | 0 bps | |
| Net Worth / Assets | 8.78% | 9.32% | 9.12% | 9.39% | 9.42% | 9.80% | 9.03% | 9.39% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.13% | 71.69% | 69.30% | 67.83% | 69.98% | 72.04% | 67.60% | 68.26% | +43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lancaster, TX · Charter 68011 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.20%
Rank 50 of 60
Net Interest Margin
5.33%
Rank 5 of 60
Efficiency Ratio
96.75%
Rank 52 of 60
Equity / Assets
9.39%
Rank 52 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.20% | 0.02% | 0.62% | 0.99% | Beats 17% | 50 / 60 | ||
| Return on Equity | -2.13% | 0.12% | 4.17% | 8.32% | Beats 17% | 50 / 60 | ||
| Net Interest Margin | 5.33% | 3.36% | 3.95% | 4.45% | Beats 92% | 5 / 60 | ||
| Efficiency Ratio | 96.75% | 70.09% | 78.52% | 92.77% | Beats 15% | 52 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.25% | 0.82% | 1.91% | Beats 68% | 20 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.39% | 11.15% | 14.35% | 19.86% | Beats 13% | 52 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.39% | 11.15% | 14.35% | 19.86% | Beats 13% | 52 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.26% | 51.31% | 60.45% | 81.20% | 60th pctl | 24 / 60 | ||
| Loans / Assets | 60.90% | 41.11% | 52.43% | 68.66% | 65th pctl | 21 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||