PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fannin County Teachers

Bonham, TX · Charter 19741

NCUA · 1 branch

Q2 2026

$10.0MAssets
$7.8MLoans
$7.0MShares
$2.8MNet 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 0.29%, down 64 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 2.65% of loans (+110 bps YoY).
  • Capital: net worth / assets of 28.33%, up 158 bps from a year ago.
  • Funding: loans stand at 110.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%-64 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+26 bps YoY

Efficiency Ratio (YTD, annualized)

80.29%+457 bps YoY

Net Worth / Assets

28.33%+158 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.98%0.89%0.94%0.29%-64 bps
Return on Equity3.45%3.72%3.24%3.29%1.01%-244 bps
Net Interest Margin3.70%3.70%3.80%4.23%3.96%+26 bps
Efficiency Ratio75.72%74.00%77.18%77.45%80.29%+457 bps
Growth
Asset Growth (YoY)1.32%4.62%0.92%-2.72%-3.61%-493 bps
Loan Growth (YoY)-3.33%4.42%9.54%5.79%3.92%+725 bps
Share Growth (YoY)0.19%4.89%-0.03%-4.99%-6.00%-619 bps
Asset Quality
Delinquent Loans / Loans1.55%0.28%1.07%2.05%2.65%+110 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 Capital26.75%26.51%27.46%28.58%28.33%+158 bps
Net Worth / Assets26.75%26.51%27.46%28.58%28.33%+158 bps
Liquidity & Funding
Loans / Shares100.15%102.24%109.30%110.83%110.72%+1,057 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps