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Lone Star

Dallas, TX · Charter 68449

NCUA · 4 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

40

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

Lone Star

Dallas, TX · Charter 68449

NCUA · 4 branches

Q2 2026

$188.3MAssets
$122.2MLoans
$169.8MShares
$16.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.49%, up 23 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.25% of loans (-16 bps YoY).
  • Capital: net worth / assets of 8.93%, up 26 bps from a year ago.
  • Funding: loans stand at 71.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+13 bps YoY

Efficiency Ratio (YTD, annualized)

83.70%-434 bps YoY

Net Worth / Assets

8.93%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.23%0.22%0.25%0.49%+23 bps
Return on Equity2.93%2.65%2.54%2.92%5.44%+251 bps
Net Interest Margin3.43%3.43%3.50%3.47%3.56%+13 bps
Efficiency Ratio88.04%87.11%85.55%86.34%83.70%-434 bps
Growth
Asset Growth (YoY)8.08%12.59%6.14%0.76%0.41%-767 bps
Loan Growth (YoY)0.67%0.66%1.05%-1.09%-1.77%-244 bps
Share Growth (YoY)6.88%11.46%6.20%0.40%0.21%-667 bps
Asset Quality
Delinquent Loans / Loans0.41%0.34%0.57%0.20%0.25%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.66%8.59%8.64%8.68%8.93%+26 bps
Net Worth / Assets8.66%8.59%8.64%8.68%8.93%+26 bps
Liquidity & Funding
Loans / Shares73.43%71.58%73.67%71.39%71.98%-145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 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

Lone Star

Dallas, TX · Charter 68449 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 4 branches

Q2 2026

$188.3MAssets
$122.2MLoans
$169.8MShares
$16.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 15 of 60).
  • Widest gap: equity / assets trails 88% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 53 of 60).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.49%

Rank 34 of 60

Net Interest Margin

3.56%

Rank 41 of 60

Efficiency Ratio

83.68%

Rank 37 of 60

Equity / Assets

8.93%

Rank 53 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.49%0.02%0.62%0.99%Beats 43%34 / 60
Return on Equity5.44%0.12%4.17%8.32%Beats 57%26 / 60
Net Interest Margin3.56%3.36%3.95%4.45%Beats 32%41 / 60
Efficiency Ratio83.68%70.09%78.52%92.77%Beats 40%37 / 60
Asset Quality
Nonperforming Loans / Loans0.25%0.25%0.82%1.91%Beats 77%15 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.93%11.15%14.35%19.86%Beats 12%53 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.93%11.15%14.35%19.86%Beats 12%53 / 60
Liquidity & Funding
Loans / Deposits71.98%51.31%60.45%81.20%65th pctl21 / 60
Loans / Assets64.88%41.11%52.43%68.66%68th pctl19 / 60
Brokered Deposits / Depositsn/aNot reported for this institution