PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northeast Texas Teachers

Paris, TX · Charter 14170

NCUA · 2 branches

Q2 2026

$33.1MAssets
$6.4MLoans
$28.1MShares
$4.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, down 25 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.43% of loans (+26 bps YoY).
  • Capital: net worth / assets of 14.45%, up 13 bps from a year ago.
  • Funding: loans stand at 22.75% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.50%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-29 bps YoY

Efficiency Ratio (YTD, annualized)

85.42%+502 bps YoY

Net Worth / Assets

14.45%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.36%0.89%0.76%0.69%0.67%0.31%0.50%-25 bps
Return on Equity10.07%9.56%6.23%5.29%4.83%4.69%2.25%3.49%-180 bps
Net Interest Margin3.89%3.95%3.67%3.59%3.53%3.45%3.00%3.29%-29 bps
Efficiency Ratio67.04%68.05%77.65%80.40%81.50%81.46%89.94%85.42%+502 bps
Growth
Asset Growth (YoY)-0.27%-3.32%-3.90%-1.66%0.79%4.84%5.77%2.60%+425 bps
Loan Growth (YoY)-12.85%-14.01%-13.90%-16.42%-18.98%-19.99%-20.77%-5.65%+1,077 bps
Share Growth (YoY)-1.77%-5.19%-5.82%-3.15%-0.43%4.91%5.54%2.01%+516 bps
Asset Quality
Delinquent Loans / Loans0.83%1.00%0.32%0.18%0.36%0.96%0.16%0.43%+26 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 Capital13.67%14.27%14.25%14.32%14.32%14.22%13.95%14.45%+13 bps
Net Worth / Assets13.67%14.27%14.25%14.32%14.32%14.22%13.95%14.45%+13 bps
Liquidity & Funding
Loans / Shares28.23%27.82%26.71%24.59%22.97%21.21%20.05%22.75%-185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps