PackageTrendsPeer
Letter portraitLegal landscape

Resource One

Dallas, TX · Charter 68439

NCUA · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

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.

Peer group

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.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Resource One

Dallas, TX · Charter 68439

NCUA · 11 branches

Q2 2026

$555.2MAssets
$412.7MLoans
$495.2MShares
$57.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

3.26%+291 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+38 bps YoY

Efficiency Ratio (YTD, annualized)

60.91%-1,988 bps YoY

Net Worth / Assets

10.43%+314 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.35%0.23%0.16%0.58%3.26%+291 bps
Net Interest Margin3.89%4.06%4.08%3.68%4.28%+38 bps
Asset Growth (YoY)-12.92%-15.74%-13.56%-6.86%-19.92%-700 bps
Share Growth (YoY)-13.85%-16.71%-14.56%-7.65%-22.91%-907 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital7.28%7.61%7.45%7.61%10.43%+314 bps
Loans / Shares81.82%82.95%80.30%79.43%83.35%+153 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Resource One

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

$555.2MAssets
$412.7MLoans
$495.2MShares
$57.9MNet Worth

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets3.26%0.02%0.62%0.99%Beats 97%2 / 60
Net Interest Margin4.28%3.36%3.95%4.45%Beats 63%22 / 60
Nonperforming Loans / Loans2.33%0.25%0.82%1.91%Beats 20%49 / 60
Tier 1 Capital Ratio10.43%11.15%14.35%19.86%Beats 18%49 / 60
Equity / Assets10.43%11.15%14.35%19.86%Beats 18%49 / 60
Loans / Assets74.34%41.11%52.43%68.66%87th pctl8 / 60