Bedford, TX · Charter 68471
NCUA · 10 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
49
Asset Quality
57
Profitability
24
Liquidity
0
Efficiency
33
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.
Bedford, TX · Charter 68471
NCUA · 10 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 | 0.88% | 0.81% | 0.80% | 0.56% | 0.55% | -32 bps | |
| Return on Equity | 8.55% | 7.83% | 7.63% | 5.29% | 5.12% | -343 bps | |
| Net Interest Margin | 2.94% | 2.95% | 2.95% | 2.86% | 2.96% | +2 bps | |
| Efficiency Ratio | 68.26% | 69.14% | 69.14% | 74.38% | 75.56% | +730 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.50% | 6.78% | 5.07% | 3.02% | 0.56% | -494 bps | |
| Loan Growth (YoY) | -6.40% | -6.64% | -5.37% | -5.84% | -2.70% | +370 bps | |
| Share Growth (YoY) | 5.19% | 6.52% | 4.77% | 2.46% | -0.15% | -534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.80% | 0.64% | 0.63% | 0.62% | -5 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 | 10.24% | 10.38% | 10.49% | 10.55% | 10.81% | +57 bps | |
| Net Worth / Assets | 10.24% | 10.38% | 10.49% | 10.55% | 10.81% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.61% | 54.92% | 54.04% | 52.96% | 55.17% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bedford, TX · Charter 68471 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
0.55%
Rank 326 of 435
Net Interest Margin
2.96%
Rank 339 of 435
Efficiency Ratio
75.56%
Rank 293 of 435
Equity / Assets
10.81%
Rank 224 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.55% | 0.81% | 1.14% | Beats 25% | 326 / 435 | |
| Return on Equity | 5.12% | 5.12% | 7.41% | 9.70% | Beats 25% | 327 / 435 | |
| Net Interest Margin | 2.96% | 3.01% | 3.39% | 3.75% | Beats 22% | 339 / 435 | |
| Efficiency Ratio | 75.56% | 65.25% | 71.39% | 77.86% | Beats 33% | 293 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.62% | 0.45% | 0.69% | 1.05% | Beats 57% | 188 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.81% | 9.81% | 10.84% | 12.63% | Beats 49% | 224 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.81% | 9.81% | 10.84% | 12.63% | Beats 49% | 224 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.17% | 78.33% | 88.38% | 95.61% | 4th pctl | 417 / 435 | |
| Loans / Assets | 48.72% | 67.69% | 74.58% | 80.80% | 5th pctl | 414 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||