Dallas, TX · Charter 68439
NCUA · 11 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
18
Asset Quality
20
Profitability
86
Liquidity
20
Efficiency
88
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 68439
NCUA · 11 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.23% | 0.16% | 0.58% | 3.26% | +291 bps | |
| Return on Equity | 4.81% | 3.06% | 2.16% | 7.68% | 31.29% | +2,648 bps | |
| Net Interest Margin | 3.89% | 4.06% | 4.08% | 3.68% | 4.28% | +38 bps | |
| Efficiency Ratio | 80.80% | 78.75% | 78.74% | 86.83% | 60.91% | -1,988 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.92% | -15.74% | -13.56% | -6.86% | -19.92% | -700 bps | |
| Loan Growth (YoY) | -13.45% | -14.43% | -15.50% | -13.51% | -21.47% | -803 bps | |
| Share Growth (YoY) | -13.85% | -16.71% | -14.56% | -7.65% | -22.91% | -907 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.46% | 1.89% | 2.11% | 1.56% | 2.33% | +87 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.28% | 7.61% | 7.45% | 7.61% | 10.43% | +314 bps | |
| Net Worth / Assets | 7.28% | 7.61% | 7.45% | 7.61% | 10.43% | +314 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.82% | 82.95% | 80.30% | 79.43% | 83.35% | +153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dallas, TX · Charter 68439 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 11 branches
Q2 2026
Return on Assets
3.26%
Rank 2 of 60
Net Interest Margin
4.28%
Rank 22 of 60
Efficiency Ratio
60.91%
Rank 8 of 60
Equity / Assets
10.43%
Rank 49 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.26% | 0.02% | 0.62% | 0.99% | Beats 97% | 2 / 60 | |
| Return on Equity | 31.29% | 0.12% | 4.17% | 8.32% | Beats 98% | 1 / 60 | |
| Net Interest Margin | 4.28% | 3.36% | 3.95% | 4.45% | Beats 63% | 22 / 60 | |
| Efficiency Ratio | 60.91% | 70.09% | 78.52% | 92.77% | Beats 88% | 8 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.33% | 0.25% | 0.82% | 1.91% | Beats 20% | 49 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.43% | 11.15% | 14.35% | 19.86% | Beats 18% | 49 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.43% | 11.15% | 14.35% | 19.86% | Beats 18% | 49 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.35% | 51.31% | 60.45% | 81.20% | 78th pctl | 13 / 60 | |
| Loans / Assets | 74.34% | 41.11% | 52.43% | 68.66% | 87th pctl | 8 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||