PackageTrendsPeer
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Big Spring Education Employees

Big Spring, TX · Charter 10577

NCUA · 2 branches

Q2 2026

$55.3MAssets
$21.1MLoans
$44.9MShares
$10.3MNet 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 2.72%, up 56 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 0.13% of loans (-44 bps YoY).
  • Capital: net worth / assets of 18.56%, up 162 bps from a year ago.
  • Funding: loans stand at 47.08% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.72%+56 bps YoY

Net Interest Margin (YTD, annualized)

4.88%-32 bps YoY

Efficiency Ratio (YTD, annualized)

61.93%+512 bps YoY

Net Worth / Assets

18.56%+162 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.16%2.05%0.80%3.24%2.72%+56 bps
Return on Equity12.77%11.85%4.68%18.15%14.66%+189 bps
Net Interest Margin5.21%5.15%4.00%4.98%4.88%-32 bps
Efficiency Ratio56.80%58.64%72.35%61.53%61.93%+512 bps
Growth
Asset Growth (YoY)-1.53%-0.43%-4.15%-4.20%-3.26%-173 bps
Loan Growth (YoY)3.47%1.99%-2.03%-0.50%-4.72%-819 bps
Share Growth (YoY)-2.63%-1.52%-5.62%-6.30%-5.12%-248 bps
Asset Quality
Delinquent Loans / Loans0.58%1.22%1.72%0.18%0.13%-44 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 Capital16.95%17.30%17.19%17.85%18.56%+162 bps
Net Worth / Assets16.95%17.30%17.19%17.85%18.56%+162 bps
Liquidity & Funding
Loans / Shares46.89%46.16%47.33%47.19%47.08%+19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps