Friona, TX · Charter 9843
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
52
Asset Quality
1
Profitability
1
Liquidity
0
Efficiency
1
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.
Friona, TX · Charter 9843
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 | -2.29% | -0.77% | -2.69% | -5.06% | -3.03% | -74 bps | |
| Return on Equity | -13.13% | -4.40% | -14.41% | -34.57% | -20.60% | -747 bps | |
| Net Interest Margin | 3.44% | 3.20% | 2.91% | 2.21% | 2.28% | -116 bps | |
| Efficiency Ratio | 104.63% | 109.08% | 119.06% | 124.74% | 127.62% | +2,299 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.86% | -0.10% | 3.67% | -4.43% | -5.55% | -369 bps | |
| Loan Growth (YoY) | -17.95% | -21.44% | -20.73% | -20.19% | -17.35% | +60 bps | |
| Share Growth (YoY) | -1.46% | 0.38% | 1.75% | -2.13% | -2.77% | -130 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.57% | 13.19% | 11.20% | 11.68% | 12.40% | -116 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 | 17.43% | 17.58% | 18.69% | 14.64% | 14.70% | -273 bps | |
| Net Worth / Assets | 17.43% | 17.58% | 18.69% | 14.64% | 14.70% | -273 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.10% | 43.16% | 40.47% | 38.64% | 39.18% | -691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Friona, TX · Charter 9843 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-3.03%
Rank 233 of 235
Net Interest Margin
2.28%
Rank 232 of 235
Efficiency Ratio
127.59%
Rank 234 of 235
Equity / Assets
14.71%
Rank 112 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.03% | 0.17% | 0.57% | 1.10% | Beats 1% | 233 / 235 | |
| Return on Equity | -20.58% | 1.03% | 4.30% | 7.58% | Beats 1% | 233 / 235 | |
| Net Interest Margin | 2.28% | 3.32% | 3.89% | 4.35% | Beats 1% | 232 / 235 | |
| Efficiency Ratio | 127.59% | 70.60% | 82.00% | 91.57% | Beats 1% | 234 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 12.39% | 0.20% | 0.59% | 1.14% | Beats 1% | 234 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.71% | 11.30% | 14.41% | 19.49% | Beats 52% | 112 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.71% | 11.30% | 14.41% | 19.49% | Beats 52% | 112 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.18% | 54.18% | 67.38% | 81.66% | 8th pctl | 216 / 235 | |
| Loans / Assets | 33.26% | 43.80% | 56.63% | 68.64% | 11th pctl | 209 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||