Palestine, TX · Charter 1129
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.62% | 0.63% | 0.25% | 0.23% | -43 bps | |
| Return on Equity | 6.91% | 6.07% | 6.45% | 2.64% | 2.36% | -455 bps | |
| Net Interest Margin | 3.94% | 4.12% | 3.91% | 3.57% | 3.58% | -36 bps | |
| Efficiency Ratio | 82.36% | 82.25% | 83.04% | 89.41% | 90.86% | +850 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.22% | -1.55% | 1.66% | 4.38% | 3.34% | +12 bps | |
| Loan Growth (YoY) | 6.52% | 2.53% | 3.28% | -0.09% | -1.09% | -761 bps | |
| Share Growth (YoY) | 2.06% | -1.68% | 0.74% | 5.91% | 4.27% | +221 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.55% | 0.65% | 0.60% | 0.34% | -51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.58% | 10.18% | 9.69% | 9.56% | 9.66% | +8 bps | |
| Net Worth / Assets | 9.58% | 10.18% | 9.69% | 9.56% | 9.66% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.36% | 98.70% | 102.96% | 93.36% | 96.15% | -521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |