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My

Haslet, TX · Charter 68545

NCUA · 5 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

47

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

My

Haslet, TX · Charter 68545

NCUA · 5 branches

Q2 2026

$58.2MAssets
$29.3MLoans
$50.4MShares
$7.4MNet 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 0.76%, down 58 bps year over year; NIM at 4.40%.
  • Asset quality: problem loans at 1.02% of loans (-72 bps YoY).
  • Capital: net worth / assets of 12.79%, up 124 bps from a year ago.
  • Funding: loans stand at 58.05% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%-58 bps YoY

Net Interest Margin (YTD, annualized)

4.40%-18 bps YoY

Efficiency Ratio (YTD, annualized)

80.18%+419 bps YoY

Net Worth / Assets

12.79%+124 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%0.95%0.93%0.21%0.76%-58 bps
Return on Equity11.67%8.21%7.78%1.73%5.97%-569 bps
Net Interest Margin4.58%4.60%4.74%5.94%4.40%-18 bps
Efficiency Ratio75.99%78.23%80.28%83.14%80.18%+419 bps
Growth
Asset Growth (YoY)2.61%3.03%1.79%4.92%3.43%+82 bps
Loan Growth (YoY)5.48%5.48%2.15%1.42%-0.32%-579 bps
Share Growth (YoY)1.89%3.20%0.89%4.16%2.22%+32 bps
Asset Quality
Delinquent Loans / Loans1.74%0.50%0.36%0.35%1.02%-72 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 Capital11.55%11.62%12.00%12.32%12.79%+124 bps
Net Worth / Assets11.55%11.62%12.00%12.32%12.79%+124 bps
Liquidity & Funding
Loans / Shares59.53%60.45%60.78%57.35%58.05%-147 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

My

Haslet, TX · Charter 68545 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 5 branches

Q2 2026

$58.2MAssets
$29.3MLoans
$50.4MShares
$7.4MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 73% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 16 of 60).
  • Widest gap: equity / assets trails 60% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 36 of 60).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.76%

Rank 25 of 60

Net Interest Margin

4.40%

Rank 16 of 60

Efficiency Ratio

80.14%

Rank 33 of 60

Equity / Assets

12.79%

Rank 36 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.76%0.02%0.62%0.99%Beats 58%25 / 60
Return on Equity5.97%0.12%4.17%8.32%Beats 62%23 / 60
Net Interest Margin4.40%3.36%3.95%4.45%Beats 73%16 / 60
Efficiency Ratio80.14%70.09%78.52%92.77%Beats 47%33 / 60
Asset Quality
Nonperforming Loans / Loans1.02%0.25%0.82%1.91%Beats 40%37 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.79%11.15%14.35%19.86%Beats 40%36 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.79%11.15%14.35%19.86%Beats 40%36 / 60
Liquidity & Funding
Loans / Deposits58.05%51.31%60.45%81.20%45th pctl33 / 60
Loans / Assets50.26%41.11%52.43%68.66%45th pctl33 / 60
Brokered Deposits / Depositsn/aNot reported for this institution