PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texhillco School Employees

Kerrville, TX · Charter 11576

NCUA · 1 branch

Q2 2026

$26.7MAssets
$22.4MLoans
$23.3MShares
$2.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.07%, down 12 bps year over year; NIM at 5.28%.
  • Asset quality: problem loans at 0.61% of loans (-106 bps YoY).
  • Capital: net worth / assets of 9.93%, down 45 bps from a year ago.
  • Funding: loans stand at 95.98% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.07%-12 bps YoY

Net Interest Margin (YTD, annualized)

5.28%+14 bps YoY

Efficiency Ratio (YTD, annualized)

94.06%+392 bps YoY

Net Worth / Assets

9.93%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.45%0.11%0.20%0.18%-0.06%-0.30%0.07%-12 bps
Return on Equity6.21%3.91%0.98%1.91%1.73%-0.63%-3.12%0.75%-116 bps
Net Interest Margin5.51%5.62%5.28%5.14%5.00%5.16%5.25%5.28%+14 bps
Efficiency Ratio85.39%87.08%92.21%90.13%92.29%93.19%100.14%94.06%+392 bps
Growth
Asset Growth (YoY)1.34%3.44%5.98%11.31%12.54%13.67%10.80%2.59%-871 bps
Loan Growth (YoY)9.91%9.31%7.82%4.98%4.36%8.23%5.49%6.42%+143 bps
Share Growth (YoY)-2.07%2.52%2.04%12.45%17.61%15.43%17.32%0.47%-1,198 bps
Asset Quality
Delinquent Loans / Loans1.06%1.57%2.18%1.67%1.13%0.95%0.37%0.61%-106 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.52%11.56%11.00%10.38%10.21%10.04%9.70%9.93%-45 bps
Net Worth / Assets11.52%11.56%11.00%10.38%10.21%10.04%9.70%9.93%-45 bps
Liquidity & Funding
Loans / Shares101.44%100.83%101.62%90.62%90.02%94.53%91.37%95.98%+536 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps