PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Naft

Pharr, TX · Charter 10994

NCUA · 3 branches

Q2 2026

$162.3MAssets
$69.7MLoans
$135.7MShares
$26.7MNet 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 1.73%, down 6 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.50% of loans (-6 bps YoY).
  • Capital: net worth / assets of 16.44%, up 35 bps from a year ago.
  • Funding: loans stand at 51.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.73%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.43%-9 bps YoY

Efficiency Ratio (YTD, annualized)

62.96%-7 bps YoY

Net Worth / Assets

16.44%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.82%1.89%1.69%1.73%-6 bps
Return on Equity11.15%11.03%11.03%9.94%10.54%-61 bps
Net Interest Margin3.52%3.61%3.67%3.60%3.43%-9 bps
Efficiency Ratio63.03%63.37%62.95%66.53%62.96%-7 bps
Growth
Asset Growth (YoY)10.70%10.82%10.54%9.07%9.67%-103 bps
Loan Growth (YoY)6.08%7.96%12.86%12.67%8.07%+199 bps
Share Growth (YoY)6.81%9.76%10.32%8.72%9.21%+241 bps
Asset Quality
Delinquent Loans / Loans0.55%0.48%0.43%0.36%0.50%-6 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 Capital16.09%16.52%17.11%17.04%16.44%+35 bps
Net Worth / Assets16.09%16.52%17.11%17.04%16.44%+35 bps
Liquidity & Funding
Loans / Shares51.88%53.33%56.99%53.27%51.34%-54 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps