PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Local 24 Employees

Pasadena, TX · Charter 14656

NCUA · 1 branch

Q2 2026

$13.6MAssets
$4.6MLoans
$10.7MShares
$2.9MNet 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 2.15%, up 56 bps year over year; NIM at 4.84%.
  • Asset quality: problem loans at 0.26% of loans (-102 bps YoY).
  • Capital: net worth / assets of 21.01%, up 164 bps from a year ago.
  • Funding: loans stand at 43.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.15%+56 bps YoY

Net Interest Margin (YTD, annualized)

4.84%+17 bps YoY

Efficiency Ratio (YTD, annualized)

61.63%-619 bps YoY

Net Worth / Assets

21.01%+164 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.65%1.89%1.44%2.15%+56 bps
Return on Equity8.18%8.29%9.67%7.13%10.21%+204 bps
Net Interest Margin4.67%4.74%4.63%4.65%4.84%+17 bps
Efficiency Ratio67.82%67.12%67.45%57.22%61.63%-619 bps
Growth
Asset Growth (YoY)5.32%2.86%2.48%4.14%-0.21%-553 bps
Loan Growth (YoY)-3.36%0.53%12.71%11.92%14.78%+1,814 bps
Share Growth (YoY)3.92%1.33%0.60%3.52%-1.93%-585 bps
Asset Quality
Delinquent Loans / Loans1.29%0.74%0.15%0.17%0.26%-102 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 Capital19.37%19.93%19.52%20.21%21.01%+164 bps
Net Worth / Assets19.37%19.93%19.52%20.21%21.01%+164 bps
Liquidity & Funding
Loans / Shares36.85%38.15%39.92%39.61%43.14%+628 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps