Paris, TX · Charter 14170
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.69% | 0.67% | 0.31% | 0.50% | -25 bps | |
| Return on Equity | 5.29% | 4.83% | 4.69% | 2.25% | 3.49% | -180 bps | |
| Net Interest Margin | 3.59% | 3.53% | 3.45% | 3.00% | 3.29% | -29 bps | |
| Efficiency Ratio | 80.40% | 81.50% | 81.46% | 89.94% | 85.42% | +502 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.66% | 0.79% | 4.84% | 5.77% | 2.60% | +425 bps | |
| Loan Growth (YoY) | -16.42% | -18.98% | -19.99% | -20.77% | -5.65% | +1,077 bps | |
| Share Growth (YoY) | -3.15% | -0.43% | 4.91% | 5.54% | 2.01% | +516 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.36% | 0.96% | 0.16% | 0.43% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.32% | 14.32% | 14.22% | 13.95% | 14.45% | +13 bps | |
| Net Worth / Assets | 14.32% | 14.32% | 14.22% | 13.95% | 14.45% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.59% | 22.97% | 21.21% | 20.05% | 22.75% | -185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |