Plano, TX · Charter 68505
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
10
Asset Quality
30
Profitability
59
Liquidity
2
Efficiency
52
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.
Plano, TX · Charter 68505
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 | -0.79% | -0.05% | 0.17% | -0.47% | 0.97% | +176 bps | |
| Return on Equity | -9.56% | -0.56% | 2.02% | -5.61% | 10.94% | +2,050 bps | |
| Net Interest Margin | 2.96% | 3.07% | 3.12% | 3.20% | 3.22% | +26 bps | |
| Efficiency Ratio | 101.39% | 89.04% | 86.49% | 114.63% | 78.43% | -2,296 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.90% | -4.99% | -1.97% | -1.39% | 3.26% | +1,117 bps | |
| Loan Growth (YoY) | -5.66% | -1.39% | 3.98% | 5.52% | 2.74% | +840 bps | |
| Share Growth (YoY) | -3.88% | -3.52% | -3.27% | -2.22% | 1.47% | +534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.22% | 1.13% | 1.90% | 1.13% | 1.38% | +15 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 | 8.24% | 8.51% | 8.62% | 8.44% | 8.91% | +67 bps | |
| Net Worth / Assets | 8.24% | 8.51% | 8.62% | 8.44% | 8.91% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.78% | 88.82% | 90.05% | 88.99% | 88.88% | +110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.89% | 0.00% | 99.50% | +9,950 bps | |
Plano, TX · Charter 68505 · 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
0.97%
Rank 16 of 60
Net Interest Margin
3.22%
Rank 49 of 60
Efficiency Ratio
78.43%
Rank 30 of 60
Equity / Assets
8.91%
Rank 54 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.02% | 0.62% | 0.99% | Beats 73% | 16 / 60 | |
| Return on Equity | 10.94% | 0.12% | 4.17% | 8.32% | Beats 85% | 9 / 60 | |
| Net Interest Margin | 3.22% | 3.36% | 3.95% | 4.45% | Beats 18% | 49 / 60 | |
| Efficiency Ratio | 78.43% | 70.09% | 78.52% | 92.77% | Beats 52% | 30 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.38% | 0.25% | 0.82% | 1.91% | Beats 30% | 43 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.91% | 11.15% | 14.35% | 19.86% | Beats 10% | 54 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.91% | 11.15% | 14.35% | 19.86% | Beats 10% | 54 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.88% | 51.31% | 60.45% | 81.20% | 88th pctl | 7 / 60 | |
| Loans / Assets | 78.99% | 41.11% | 52.43% | 68.66% | 92nd pctl | 5 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||