Roswell, NM · Charter 9093
NCUA · 2 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
62
Asset Quality
28
Profitability
87
Liquidity
7
Efficiency
97
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.
Roswell, NM · Charter 9093
NCUA · 2 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 | 2.20% | 2.35% | 2.20% | 2.71% | 2.59% | +39 bps | |
| Return on Equity | 12.51% | 12.76% | 11.72% | 16.77% | 15.38% | +287 bps | |
| Net Interest Margin | 4.15% | 4.25% | 4.34% | 4.29% | 4.37% | +21 bps | |
| Efficiency Ratio | 56.86% | 54.22% | 56.35% | 46.67% | 51.32% | -554 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.20% | 6.18% | 6.97% | 1.34% | 0.28% | -1,092 bps | |
| Loan Growth (YoY) | -0.34% | 1.55% | 3.40% | -4.00% | -4.94% | -460 bps | |
| Share Growth (YoY) | 6.27% | 0.50% | 1.41% | -1.33% | -2.31% | -857 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 1.00% | 0.77% | 0.53% | 1.39% | +77 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 | 17.58% | 18.46% | 18.81% | 16.18% | 16.82% | -76 bps | |
| Net Worth / Assets | 17.58% | 18.46% | 18.81% | 16.18% | 16.82% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.56% | 91.15% | 89.47% | 87.32% | 87.15% | -241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Roswell, NM · Charter 9093 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 2 branches
Q2 2026
Return on Assets
2.59%
Rank 3 of 60
Net Interest Margin
4.37%
Rank 17 of 60
Efficiency Ratio
51.32%
Rank 3 of 60
Equity / Assets
16.82%
Rank 23 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.59% | 0.02% | 0.62% | 0.99% | Beats 95% | 3 / 60 | |
| Return on Equity | 15.38% | 0.12% | 4.17% | 8.32% | Beats 95% | 3 / 60 | |
| Net Interest Margin | 4.37% | 3.36% | 3.95% | 4.45% | Beats 72% | 17 / 60 | |
| Efficiency Ratio | 51.32% | 70.09% | 78.52% | 92.77% | Beats 97% | 3 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.39% | 0.25% | 0.82% | 1.91% | Beats 28% | 44 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.82% | 11.15% | 14.35% | 19.86% | Beats 62% | 23 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.82% | 11.15% | 14.35% | 19.86% | Beats 62% | 23 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.15% | 51.31% | 60.45% | 81.20% | 87th pctl | 8 / 60 | |
| Loans / Assets | 69.24% | 41.11% | 52.43% | 68.66% | 77th pctl | 14 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||