PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Endurance

Duncan, OK · Charter 13898

NCUA · 3 branches

Q2 2026

$196.5MAssets
$112.0MLoans
$168.5MShares
$26.9MNet 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 0.70%, down 34 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.21% of loans (-7 bps YoY).
  • Capital: net worth / assets of 13.69%, down 13 bps from a year ago.
  • Funding: loans stand at 66.44% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.70%-34 bps YoY

Net Interest Margin (quarter, annualized)

2.92%+8 bps YoY

Efficiency Ratio (quarter, annualized)

78.73%+595 bps YoY

Net Worth / Assets

13.69%-13 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%0.90%0.82%0.56%0.70%-34 bps
Return on Equity7.58%6.38%5.93%4.21%5.14%-245 bps
Net Interest Margin2.83%2.87%2.81%2.85%2.92%+8 bps
Efficiency Ratio72.79%76.17%77.48%81.47%78.73%+595 bps
Growth
Asset Growth (YoY)0.40%0.78%4.26%5.95%5.75%+535 bps
Loan Growth (YoY)-1.66%-2.24%-0.10%1.18%1.69%+335 bps
Share Growth (YoY)-0.44%0.49%4.01%6.23%5.91%+635 bps
Asset Quality
Delinquent Loans / Loans0.28%0.17%0.26%0.18%0.21%-7 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 Capital13.81%14.03%13.79%13.39%13.69%-13 bps
Net Worth / Assets13.81%14.03%13.79%13.39%13.69%-13 bps
Liquidity & Funding
Loans / Shares69.20%67.08%67.86%62.95%66.44%-276 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps