PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

La Joya Area

La Joya, TX · Charter 14734

NCUA · 3 branches

Q2 2026

$62.2MAssets
$29.8MLoans
$54.1MShares
$6.7MNet 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 0.06%, down 19 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 2.07% of loans (+111 bps YoY).
  • Capital: net worth / assets of 10.82%, up 18 bps from a year ago.
  • Funding: loans stand at 55.05% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.06%-19 bps YoY

Net Interest Margin (YTD, annualized)

4.13%-2 bps YoY

Efficiency Ratio (YTD, annualized)

95.06%+327 bps YoY

Net Worth / Assets

10.82%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.20%0.05%0.09%0.06%-19 bps
Return on Equity2.33%1.77%0.44%0.85%0.58%-175 bps
Net Interest Margin4.15%4.39%4.51%4.13%4.13%-2 bps
Efficiency Ratio91.80%91.22%94.26%92.86%95.06%+327 bps
Growth
Asset Growth (YoY)-1.27%-2.93%-1.55%-2.66%-1.88%-60 bps
Loan Growth (YoY)-11.37%-9.76%-7.75%-8.88%-9.21%+216 bps
Share Growth (YoY)-1.59%-3.33%-1.65%-2.99%-1.56%+4 bps
Asset Quality
Delinquent Loans / Loans0.96%0.76%1.89%1.61%2.07%+111 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 Capital10.64%11.14%11.29%10.89%10.82%+18 bps
Net Worth / Assets10.64%11.14%11.29%10.89%10.82%+18 bps
Liquidity & Funding
Loans / Shares59.69%62.57%61.81%57.02%55.05%-464 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps