Resource One Credit Union
Dallas, TX·Charter 68439·cu:68439·Credit union RBC / net worth
- #61 of 380Total assets in Texas
- 62.8Kmembers
- Top 1%Fee income vs. peers
- Top 1%Return on assets vs. peers
- Top 1%Efficiency vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Resource One Credit Union
11 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Shares and deposits shrinking while the peer median growsWorth a look: Funding 2nd quarter-22.9%peers +4.1%-27.0 pp
Resource One Credit Union's shares and deposits declined 22.9% over the past year to $495 million. The median among 563 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| -22.9% | +4.1% | -27.0 pp |
| Shares and deposits | ||
| $495 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Resource One Credit Union itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-21.5%peers +4.1%-25.6 pp
Resource One Credit Union's loans declined 21.5% over the past year to $413 million. The median among 563 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -21.5% | +4.1% | -25.6 pp |
| Loans | ||
| $413 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Resource One Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar credit unionsStrength: Earnings6.96%peers 1.17%+579 bps
Resource One Credit Union's noninterest income relative to average assets was 6.96%, compared with a median of 1.17% among 566 similar credit unions: the highest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 6.96% | 1.17% | +579 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Resource One Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio rising faster than peersStrength: Capital10.43%peers 11.04%-0.6 pp
Resource One Credit Union's net worth ratio rose 3.2 percentage points over the past year to 10.43%. Among 563 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 10.43% | 11.04% | -0.6 pp |
| 12-month change | ||
| +3.2 pp | +0.3 pp | +2.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Resource One Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency45.6%peers 75.9%-30.3 pp
Resource One Credit Union's efficiency ratio fell 34.0 percentage points over the past year to 45.6%. Among 561 similar credit unions, the median fell 0.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 45.6% | 75.9% | -30.3 pp |
| 12-month change | ||
| -34.0 pp | -0.6 pp | -33.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Resource One Credit Union itself is left out of every peer median and percentile. How signals work
6 more observations
- Return on assets rising faster than peersEarnings
- Membership shrinking while the peer median growsMembership
- Delinquent loans rising faster than peersAsset quality
- Net charge-offs falling faster than peersAsset quality
- Auto lending shrinking faster than peersLending
- Share and deposit costs falling faster than peersFunding
Key facts
- Resource One Credit Union is a state-chartered credit union headquartered in Dallas, Texas. It reported $555 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $495 million, down 22.9% from a year earlier, and loans totaled $413 million, down 21.5%.
- Its net interest margin on average assets was 3.89% and its annualized return on assets was 5.37% for the quarter.
- Its cost of all shares and deposits was 0.97%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 62,847 members, down 12.6% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Resource One Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Resource One Credit Union · Credit union
- NCUA charter
- 68439
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Resource One Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $8.1M | |
| $7.24M | |
| $1.38M | |
| $5.86M | |
| $10.49M | |
| $7.46M | |
| $792K | |
| $792K | |
| 5.37% | |
| 3.89% | |
| 45.60% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.