PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Heart O' Texas

Waco, TX · Charter 11032

NCUA · 3 branches

Q2 2026

$54.6MAssets
$40.4MLoans
$50.3MShares
$4.1MNet 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 0.05%, up 39 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.86% of loans (+7 bps YoY).
  • Capital: net worth / assets of 7.43%, up 39 bps from a year ago.
  • Funding: loans stand at 80.24% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.05%+39 bps YoY

Net Interest Margin (quarter, annualized)

4.00%+24 bps YoY

Efficiency Ratio (quarter, annualized)

89.04%-720 bps YoY

Net Worth / Assets

7.43%+39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.35%-0.18%-0.11%-0.14%0.05%+39 bps
Return on Equity-4.96%-2.56%-1.59%-1.88%0.61%+557 bps
Net Interest Margin3.77%3.86%3.87%3.96%4.00%+24 bps
Efficiency Ratio96.24%94.23%92.70%93.15%89.04%-720 bps
Growth
Asset Growth (YoY)-10.34%-8.02%-3.91%-2.90%-2.28%+806 bps
Loan Growth (YoY)-16.69%-14.15%-9.65%-4.62%-5.36%+1,133 bps
Share Growth (YoY)-11.01%-8.87%-4.83%-3.07%-2.33%+868 bps
Asset Quality
Delinquent Loans / Loans0.79%0.71%0.61%0.32%0.86%+7 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 Capital7.04%7.15%7.24%7.37%7.43%+39 bps
Net Worth / Assets7.04%7.15%7.24%7.37%7.43%+39 bps
Liquidity & Funding
Loans / Shares82.80%82.17%80.67%82.58%80.24%-257 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps