Fort Worth City Credit Union
Total assets
$335.1M
▲ +6.0% YoY
Shares & deposits
$292.6M
▲ +5.8% YoY
Loans
$184.9M
▲ +9.1% YoY
Members
16,282
▲ +3.3% YoY
ROA (annualized)
1.92%
peers 0.69%
ROE (annualized)
15.17%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.1 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | +9.1% | +2.9% | +6.1 pts |
| ROA | 1.92% | 0.69% | +1.2 pts |
| ROE | 15.2% | 5.9% | +9.2 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 100099, Fort Worth, TX, 76185
- NCUA charter #
- 67532
- RSSD ID
- 704595
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $335.1M | $292.6M | $184.9M | $42.5M | $1.6M | 1.92% | 3.29% | 0.03% | 16,282 |
| Q4 2025 | $324.7M | $283.0M | $183.1M | $40.9M | $3.3M | 1.01% | 2.52% | 0.03% | 16,107 |
| Q3 2025 | $320.0M | $278.8M | $178.9M | $41.0M | $3.3M | 1.36% | 2.87% | 0.07% | 16,066 |
| Q2 2025 | $314.9M | $274.8M | $176.1M | $39.8M | $2.1M | 1.34% | 2.85% | 0.10% | 15,875 |
| Q1 2025 | $316.0M | $276.7M | $169.5M | $38.8M | $1.1M | 1.37% | 2.80% | 0.05% | 15,756 |
| Q4 2024 | $303.1M | $265.0M | $167.6M | $37.7M | $2.1M | 0.70% | 2.27% | 0.08% | 15,670 |
| Q3 2024 | $306.7M | $268.9M | $164.1M | $38.0M | $2.3M | 1.01% | 2.47% | 0.10% | 15,577 |
| Q2 2024 | $305.2M | $267.5M | $162.5M | $37.3M | $1.5M | 1.01% | 2.44% | 0.08% | 15,488 |
Loan mix (Q1 2026): real estate $91.7M · commercial $18.8M · consumer $68.2M · securities $104.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.62% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 78.7% | 5th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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