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Letter portraitLegal landscapeQuarterYTD

Liberty County Teachers

Liberty, TX · Charter 14052

NCUA · 1 branch

Q2 2026

$23.8MAssets
$15.8MLoans
$19.5MShares
$4.1MNet Worth

Executive Summary

  • Earnings: ROA of 2.15%, up 17 bps year over year; NIM at 5.36%.
  • Asset quality: problem loans at 0.03% of loans (-10 bps YoY).
  • Capital: net worth / assets of 17.13%, up 226 bps from a year ago.
  • Funding: loans stand at 80.68% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.15%+17 bps YoY

Net Interest Margin (YTD, annualized)

5.36%+2 bps YoY

Efficiency Ratio (YTD, annualized)

66.05%-79 bps YoY

Net Worth / Assets

17.13%+226 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.26%2.38%1.47%1.97%2.23%2.11%2.69%2.15%+17 bps
Return on Equity16.68%16.70%10.49%13.28%14.21%13.27%15.93%12.54%-74 bps
Net Interest Margin5.32%5.36%5.15%5.34%5.45%5.42%5.42%5.36%+2 bps
Efficiency Ratio63.50%63.43%71.08%66.84%65.10%64.49%65.39%66.05%-79 bps
Growth
Asset Growth (YoY)0.70%-1.25%3.05%-1.75%1.32%2.96%-3.03%-0.49%+126 bps
Loan Growth (YoY)-4.45%-2.62%15.06%16.36%25.22%21.24%4.42%2.10%-1,426 bps
Share Growth (YoY)-1.84%-3.86%0.45%-3.93%-2.15%-0.22%-5.69%-2.91%+102 bps
Asset Quality
Delinquent Loans / Loans0.08%0.00%0.01%0.13%0.00%0.03%0.54%0.03%-10 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 Capital13.56%14.25%14.02%14.87%15.70%15.93%16.88%17.13%+226 bps
Net Worth / Assets13.56%14.25%14.02%14.87%15.70%15.93%16.88%17.13%+226 bps
Liquidity & Funding
Loans / Shares66.50%66.17%77.40%76.73%85.11%80.40%85.69%80.68%+395 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps