Denver City, TX · Charter 7677
NCUA · 1 branch
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 TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
1
Profitability
72
Liquidity
87
Efficiency
56
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.
Denver City, TX · Charter 7677
NCUA · 1 branch
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 | 1.43% | 1.74% | 1.52% | 0.58% | 0.91% | -51 bps | |
| Return on Equity | 6.62% | 7.50% | 6.24% | 2.41% | 4.30% | -232 bps | |
| Net Interest Margin | 6.52% | 6.91% | 7.22% | 6.54% | 5.80% | -73 bps | |
| Efficiency Ratio | 69.89% | 69.48% | 73.35% | 79.72% | 79.19% | +929 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.68% | 1.24% | -12.09% | -9.79% | 7.07% | -261 bps | |
| Loan Growth (YoY) | -6.76% | -17.47% | -18.31% | -23.03% | -19.65% | -1,289 bps | |
| Share Growth (YoY) | 10.20% | -0.55% | -16.80% | -13.25% | 7.68% | -252 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.34% | 8.46% | 8.60% | 8.82% | 6.76% | -158 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.82% | 1.82% | 1.87% | 2.20% | 2.20% | +38 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.53% | 23.19% | 24.31% | 23.95% | 21.20% | -34 bps | |
| Net Worth / Assets | 21.53% | 23.19% | 24.31% | 23.95% | 21.20% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.83% | 87.36% | 87.41% | 76.69% | 64.05% | -2,179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Denver City, TX · Charter 7677 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.94%
Rank 77 of 235
Net Interest Margin
5.80%
Rank 4 of 235
Efficiency Ratio
79.37%
Rank 105 of 235
Equity / Assets
21.19%
Rank 47 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.17% | 0.57% | 1.10% | Beats 67% | 77 / 235 | |
| Return on Equity | 4.42% | 1.03% | 4.30% | 7.58% | Beats 52% | 113 / 235 | |
| Net Interest Margin | 5.80% | 3.32% | 3.89% | 4.35% | Beats 98% | 4 / 235 | |
| Efficiency Ratio | 79.37% | 70.60% | 82.00% | 91.57% | Beats 56% | 105 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 6.74% | 0.20% | 0.59% | 1.14% | Beats 1% | 233 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.19% | 11.30% | 14.41% | 19.49% | Beats 80% | 47 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.19% | 11.30% | 14.41% | 19.49% | Beats 80% | 47 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.05% | 54.18% | 67.38% | 81.66% | 43rd pctl | 135 / 235 | |
| Loans / Assets | 50.00% | 43.80% | 56.63% | 68.64% | 36th pctl | 150 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||