PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Laredo Fire Department

Laredo, TX · Charter 12472

NCUA · 1 branch

Q2 2026

$14.7MAssets
$12.1MLoans
$12.8MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.05%, down 141 bps year over year; NIM at 5.75%.
  • Asset quality: problem loans at 1.74% of loans (+64 bps YoY).
  • Capital: net worth / assets of 12.50%, down 24 bps from a year ago.
  • Funding: loans stand at 95.09% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.05%-141 bps YoY

Net Interest Margin (quarter, annualized)

5.75%-69 bps YoY

Efficiency Ratio (quarter, annualized)

94.26%+705 bps YoY

Net Worth / Assets

12.50%-24 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%0.54%1.11%1.46%0.48%0.22%-0.41%0.05%-141 bps
Return on Equity9.10%4.56%9.07%11.48%3.75%1.75%-3.28%0.42%-1,106 bps
Net Interest Margin6.12%6.23%6.10%6.44%6.43%6.46%6.05%5.75%-69 bps
Efficiency Ratio83.78%89.58%91.22%87.21%90.11%93.33%91.54%94.26%+705 bps
Growth
Asset Growth (YoY)-2.00%-2.36%-4.36%-2.81%-6.87%-5.84%-3.44%-2.10%+71 bps
Loan Growth (YoY)-5.14%-6.00%-9.69%-3.91%-2.03%-2.92%-2.49%-4.56%-66 bps
Share Growth (YoY)-3.75%-3.23%-5.41%-3.56%-7.95%-6.84%-4.02%-2.04%+152 bps
Asset Quality
Delinquent Loans / Loans0.17%0.62%0.21%1.10%0.89%1.30%0.96%1.74%+64 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 Capital11.89%11.85%12.24%12.74%12.87%12.70%12.55%12.50%-24 bps
Net Worth / Assets11.89%11.85%12.24%12.74%12.87%12.70%12.55%12.50%-24 bps
Liquidity & Funding
Loans / Shares93.63%94.63%92.59%97.60%99.66%98.61%94.06%95.09%-251 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps