PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Morris Sheppard Texarkana

Texarkana, TX · Charter 1

NCUA · 1 branch

Q2 2026

$13.2MAssets
$9.2MLoans
$11.7MShares
$1.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.12%, up 79 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.45% of loans (-9 bps YoY).
  • Capital: net worth / assets of 11.64%, up 43 bps from a year ago.
  • Funding: loans stand at 79.07% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%+79 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+59 bps YoY

Efficiency Ratio (YTD, annualized)

72.75%-767 bps YoY

Net Worth / Assets

11.64%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.72%0.67%0.95%1.12%+79 bps
Return on Equity2.96%6.31%6.04%8.47%9.60%+664 bps
Net Interest Margin3.69%3.80%3.57%4.03%4.28%+59 bps
Efficiency Ratio80.42%80.12%81.28%78.52%72.75%-767 bps
Growth
Asset Growth (YoY)14.72%11.01%12.49%6.36%3.74%-1,098 bps
Loan Growth (YoY)1.95%-1.40%-4.59%0.05%2.66%+71 bps
Share Growth (YoY)15.88%11.63%13.23%6.31%3.26%-1,262 bps
Asset Quality
Delinquent Loans / Loans0.54%0.40%0.69%0.51%0.45%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.22%11.42%11.01%11.21%11.64%+43 bps
Net Worth / Assets11.22%11.42%11.01%11.21%11.64%+43 bps
Liquidity & Funding
Loans / Shares79.53%78.54%73.84%76.90%79.07%-46 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps