PackageTrendsPeer
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Laredo

Laredo, TX · Charter 11011

NCUA · 3 branches

Q2 2026

$136.6MAssets
$79.0MLoans
$125.6MShares
$15.5MNet 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 0.75%, down 6 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.35% of loans (-51 bps YoY).
  • Capital: net worth / assets of 11.31%, up 60 bps from a year ago.
  • Funding: loans stand at 62.89% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.75%-6 bps YoY

Net Interest Margin (quarter, annualized)

4.29%+18 bps YoY

Efficiency Ratio (quarter, annualized)

82.34%+236 bps YoY

Net Worth / Assets

11.31%+60 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.80%0.77%0.63%0.75%-6 bps
Return on Equity7.56%7.27%6.87%5.67%6.65%-91 bps
Net Interest Margin4.11%4.20%4.29%4.23%4.29%+18 bps
Efficiency Ratio79.97%80.78%82.09%83.05%82.34%+236 bps
Growth
Asset Growth (YoY)0.32%0.37%3.36%1.26%0.27%-5 bps
Loan Growth (YoY)13.29%17.88%22.01%15.29%8.30%-499 bps
Share Growth (YoY)-1.36%-0.91%2.24%-0.17%-0.35%+101 bps
Asset Quality
Delinquent Loans / Loans0.86%1.03%0.47%0.29%0.35%-51 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 Capital10.71%10.99%11.14%11.15%11.31%+60 bps
Net Worth / Assets10.71%10.99%11.14%11.15%11.31%+60 bps
Liquidity & Funding
Loans / Shares57.87%61.74%63.23%62.71%62.89%+502 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps