PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Union Fidelity

Houston, TX · Charter 15049

NCUA · 2 branches

Q2 2026

$28.2MAssets
$17.7MLoans
$22.4MShares
$5.5MNet 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 0.52%, down 85 bps year over year; NIM at 5.69%.
  • Asset quality: problem loans at 1.21% of loans (-65 bps YoY).
  • Capital: net worth / assets of 19.70%, down 40 bps from a year ago.
  • Funding: loans stand at 79.20% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%-85 bps YoY

Net Interest Margin (YTD, annualized)

5.69%+36 bps YoY

Efficiency Ratio (YTD, annualized)

81.15%+416 bps YoY

Net Worth / Assets

19.70%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.23%1.08%1.23%0.52%-85 bps
Return on Equity6.86%6.06%5.40%6.25%2.66%-420 bps
Net Interest Margin5.33%5.45%5.43%5.58%5.69%+36 bps
Efficiency Ratio76.99%78.20%79.75%78.45%81.15%+416 bps
Growth
Asset Growth (YoY)9.36%8.60%10.61%10.46%5.69%-367 bps
Loan Growth (YoY)19.68%22.66%21.03%21.53%16.54%-314 bps
Share Growth (YoY)10.92%9.47%11.70%11.82%5.99%-493 bps
Asset Quality
Delinquent Loans / Loans1.86%1.82%1.66%1.27%1.21%-65 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 Capital20.10%20.23%19.95%19.75%19.70%-40 bps
Net Worth / Assets20.10%20.23%19.95%19.75%19.70%-40 bps
Liquidity & Funding
Loans / Shares72.03%76.21%78.24%77.97%79.20%+717 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps