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Letter portraitLegal landscapeQuarterYTD

Starr County Teachers

Rio Grande City, TX · Charter 18559

NCUA · 2 branches

Q2 2026

$47.4MAssets
$8.9MLoans
$39.1MShares
$8.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.64%, down 38 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.51% of loans (-22 bps YoY).
  • Capital: net worth / assets of 16.85%, up 59 bps from a year ago.
  • Funding: loans stand at 22.66% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.64%-38 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-24 bps YoY

Efficiency Ratio (YTD, annualized)

65.39%+534 bps YoY

Net Worth / Assets

16.85%+59 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%2.19%2.02%1.89%1.84%1.68%1.64%-38 bps
Return on Equity8.66%8.29%13.74%12.43%11.31%10.76%9.91%9.76%-268 bps
Net Interest Margin4.19%4.20%4.08%4.16%4.25%4.27%4.00%3.92%-24 bps
Efficiency Ratio71.50%72.01%59.15%60.05%62.88%63.39%66.00%65.39%+534 bps
Growth
Asset Growth (YoY)1.12%1.33%6.57%5.77%6.92%6.87%4.64%6.61%+84 bps
Loan Growth (YoY)1.15%-0.71%-1.30%-1.76%-3.40%-3.25%-2.76%-7.13%-537 bps
Share Growth (YoY)-0.24%0.43%6.98%5.00%5.76%5.77%3.39%5.73%+72 bps
Asset Quality
Delinquent Loans / Loans0.26%0.22%0.03%0.74%0.60%0.47%0.43%0.51%-22 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 Capital15.99%16.40%15.93%16.26%16.67%17.07%16.90%16.85%+59 bps
Net Worth / Assets15.99%16.40%15.93%16.26%16.67%17.07%16.90%16.85%+59 bps
Liquidity & Funding
Loans / Shares27.92%27.79%25.37%25.80%25.50%25.42%23.86%22.66%-314 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps