PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Las Colinas

Irving, TX · Charter 10424

NCUA · 4 branches

Q4 2025

$95.5MAssets
$82.1MLoans
$86.5MShares
$7.2MNet 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 -2.43%, down 229 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 2.09% of loans (+130 bps YoY).
  • Capital: net worth / assets of 7.56%, down 177 bps from a year ago.
  • Funding: loans stand at 94.92% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-2.43%-229 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+27 bps YoY

Efficiency Ratio (YTD, annualized)

127.69%+3,717 bps YoY

Net Worth / Assets

7.56%-177 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-0.14%-0.35%-0.44%-0.15%-2.43%-229 bps
Return on Equity-1.51%-3.66%-4.78%-1.70%-32.22%-3,071 bps
Net Interest Margin3.60%3.62%3.62%3.54%3.87%+27 bps
Efficiency Ratio90.52%90.70%90.22%87.33%127.69%+3,717 bps
Growth
Asset Growth (YoY)-1.78%-7.27%-4.43%-0.55%-6.67%-488 bps
Loan Growth (YoY)-10.16%-14.10%-2.45%6.69%2.28%+1,244 bps
Share Growth (YoY)1.31%-7.83%-8.09%-4.18%-5.65%-696 bps
Asset Quality
Delinquent Loans / Loans0.78%0.32%1.10%0.60%2.09%+130 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 Capital9.32%9.57%9.24%9.03%7.56%-177 bps
Net Worth / Assets9.32%9.57%9.24%9.03%7.56%-177 bps
Liquidity & Funding
Loans / Shares87.57%89.33%101.16%98.26%94.92%+736 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps