PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

J.C.T.

Edna, TX · Charter 20581

NCUA · 1 branch

Q2 2026

$10.0MAssets
$4.4MLoans
$8.7MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.40%, down 28 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.67%, up 143 bps from a year ago.
  • Funding: loans stand at 50.11% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.40%-28 bps YoY

Net Interest Margin (quarter, annualized)

3.39%+16 bps YoY

Efficiency Ratio (quarter, annualized)

87.40%+890 bps YoY

Net Worth / Assets

12.67%+143 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.73%0.56%0.69%0.70%0.61%0.44%0.40%-28 bps
Return on Equity6.74%6.56%4.99%6.10%6.02%5.22%3.76%3.20%-290 bps
Net Interest Margin3.20%3.19%3.23%3.23%3.29%3.29%3.21%3.39%+16 bps
Efficiency Ratio77.39%78.05%81.33%78.51%79.04%81.74%86.79%87.40%+890 bps
Growth
Asset Growth (YoY)0.10%1.80%4.16%3.59%3.43%0.74%-0.50%-7.81%-1,140 bps
Loan Growth (YoY)-4.42%-6.37%-9.54%-4.74%-4.95%-3.39%-1.73%-4.79%-5 bps
Share Growth (YoY)-0.61%1.15%3.85%3.21%2.95%0.05%-1.25%-9.33%-1,254 bps
Asset Quality
Delinquent Loans / Loans0.03%0.07%0.06%0.00%0.00%0.00%0.00%0.00%0 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 Capital11.24%11.18%11.14%11.24%11.57%11.71%11.78%12.67%+143 bps
Net Worth / Assets11.24%11.18%11.14%11.24%11.57%11.71%11.78%12.67%+143 bps
Liquidity & Funding
Loans / Shares52.05%48.93%46.22%47.72%48.06%47.25%46.00%50.11%+239 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps