PackageTrendsPeer
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Common Cents

Beaumont, TX · Charter 15788

NCUA · 3 branches

Q2 2026

$34.2MAssets
$21.9MLoans
$30.0MShares
$4.2MNet 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 2.37%, up 392 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.30% of loans (-74 bps YoY).
  • Capital: net worth / assets of 12.13%, up 40 bps from a year ago.
  • Funding: loans stand at 72.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.37%+392 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+39 bps YoY

Efficiency Ratio (YTD, annualized)

74.65%-3,797 bps YoY

Net Worth / Assets

12.13%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.56%-2.02%-2.20%-0.74%2.37%+392 bps
Return on Equity-13.27%-18.82%-20.27%-7.05%19.51%+3,278 bps
Net Interest Margin3.57%3.53%3.81%3.83%3.96%+39 bps
Efficiency Ratio112.62%113.96%114.01%117.79%74.65%-3,797 bps
Growth
Asset Growth (YoY)3.91%6.69%-0.18%-4.10%-4.84%-875 bps
Loan Growth (YoY)-6.65%-1.61%2.07%1.71%-2.80%+385 bps
Share Growth (YoY)6.82%9.22%3.70%-1.81%-5.50%-1,232 bps
Asset Quality
Delinquent Loans / Loans1.03%1.38%1.04%1.04%0.30%-74 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 Capital11.73%10.74%10.87%10.52%12.13%+40 bps
Net Worth / Assets11.73%10.74%10.87%10.52%12.13%+40 bps
Liquidity & Funding
Loans / Shares70.96%71.83%77.38%73.23%72.98%+202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps