PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jackson County

Edna, TX · Charter 10324

NCUA · 1 branch

Q2 2026

$9.0MAssets
$5.8MLoans
$8.1MShares
$874KNet Worth

Executive Summary

  • Earnings: ROA of 0.75%, down 34 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.68%, up 42 bps from a year ago.
  • Funding: loans stand at 71.85% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.75%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.77%-17 bps YoY

Efficiency Ratio (YTD, annualized)

80.83%+626 bps YoY

Net Worth / Assets

9.68%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.79%0.95%1.09%1.06%0.98%0.66%0.75%-34 bps
Return on Equity8.79%9.08%10.57%11.74%11.72%10.46%7.08%7.77%-397 bps
Net Interest Margin3.41%3.61%3.90%3.94%3.78%3.84%3.63%3.77%-17 bps
Efficiency Ratio80.37%79.67%77.39%74.57%74.09%76.55%83.30%80.83%+626 bps
Growth
Asset Growth (YoY)3.75%0.75%2.74%-4.24%2.32%4.28%7.69%4.64%+888 bps
Loan Growth (YoY)5.20%-5.03%-3.99%1.09%-2.25%-1.76%-3.63%-6.24%-733 bps
Share Growth (YoY)3.27%-0.06%1.90%-5.71%1.28%3.46%7.34%4.06%+977 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.07%0.07%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.24%8.74%9.03%9.26%9.08%9.36%9.29%9.68%+42 bps
Net Worth / Assets8.24%8.74%9.03%9.26%9.08%9.36%9.29%9.68%+42 bps
Liquidity & Funding
Loans / Shares77.91%78.40%78.69%79.74%75.19%74.44%70.65%71.85%-789 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps