PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U. S. I.

Deer Park, TX · Charter 13132

NCUA · 1 branch

Q2 2026

$29.4MAssets
$24.0MLoans
$24.1MShares
$5.3MNet 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 0.42%, down 10 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 1.31% of loans (-429 bps YoY).
  • Capital: net worth / assets of 18.01%, down 658 bps from a year ago.
  • Funding: loans stand at 99.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.42%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.55%-51 bps YoY

Efficiency Ratio (YTD, annualized)

88.22%+165 bps YoY

Net Worth / Assets

18.01%-658 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.65%0.81%0.24%0.42%-10 bps
Return on Equity2.11%3.11%3.65%1.19%2.34%+23 bps
Net Interest Margin5.06%4.42%4.74%4.53%4.55%-51 bps
Efficiency Ratio86.57%82.83%81.20%91.32%88.22%+165 bps
Growth
Asset Growth (YoY)7.17%25.61%19.52%11.93%30.56%+2,339 bps
Loan Growth (YoY)9.76%3.17%5.95%11.42%15.74%+598 bps
Share Growth (YoY)8.53%41.76%30.43%12.70%44.84%+3,631 bps
Asset Quality
Delinquent Loans / Loans5.60%2.00%3.41%2.70%1.31%-429 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 Capital24.59%21.07%22.24%19.98%18.01%-658 bps
Net Worth / Assets24.59%21.07%22.24%19.98%18.01%-658 bps
Liquidity & Funding
Loans / Shares124.68%92.28%104.79%114.86%99.63%-2,505 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps