PackageTrendsPeer
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Brownfield

Brownfield, TX · Charter 13873

NCUA · 1 branch

Q2 2026

$11.4MAssets
$5.2MLoans
$7.5MShares
$3.9MNet 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 -1.00%, down 45 bps year over year; NIM at 4.93%.
  • Asset quality: problem loans at 0.57% of loans (+50 bps YoY).
  • Capital: net worth / assets of 34.48%, up 19 bps from a year ago.
  • Funding: loans stand at 70.20% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.00%-45 bps YoY

Net Interest Margin (YTD, annualized)

4.93%-30 bps YoY

Efficiency Ratio (YTD, annualized)

117.55%+1,198 bps YoY

Net Worth / Assets

34.48%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.55%-0.57%-0.77%-0.85%-1.00%-45 bps
Return on Equity-1.59%-1.64%-2.14%-2.46%-2.90%-131 bps
Net Interest Margin5.23%5.27%5.46%4.84%4.93%-30 bps
Efficiency Ratio105.57%105.07%107.17%119.42%117.55%+1,198 bps
Growth
Asset Growth (YoY)-4.37%0.52%-2.66%-3.65%-3.25%+112 bps
Loan Growth (YoY)-9.94%-12.98%-14.69%-12.71%-15.41%-546 bps
Share Growth (YoY)-6.63%1.29%-3.00%-4.28%-3.55%+308 bps
Asset Quality
Delinquent Loans / Loans0.07%0.06%0.09%0.03%0.57%+50 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 Capital34.30%34.48%35.84%34.74%34.48%+19 bps
Net Worth / Assets34.30%34.48%35.84%34.74%34.48%+19 bps
Liquidity & Funding
Loans / Shares80.04%77.82%80.81%73.26%70.20%-984 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps