PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alcon Employees

Fort Worth, TX · Charter 20990

NCUA · 1 branch

Q2 2026

$29.9MAssets
$19.8MLoans
$23.4MShares
$6.5MNet 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 -0.19%, down 11 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.07% of loans (-34 bps YoY).
  • Capital: net worth / assets of 21.70%, up 22 bps from a year ago.
  • Funding: loans stand at 84.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.19%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+13 bps YoY

Efficiency Ratio (YTD, annualized)

98.99%+367 bps YoY

Net Worth / Assets

21.70%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.08%0.02%0.04%-0.30%-0.19%-11 bps
Return on Equity-0.38%0.10%0.20%-1.40%-0.87%-49 bps
Net Interest Margin3.74%3.93%4.00%3.76%3.87%+13 bps
Efficiency Ratio95.32%92.92%93.49%99.75%98.99%+367 bps
Growth
Asset Growth (YoY)-6.94%-4.80%-2.26%-4.39%-1.23%+572 bps
Loan Growth (YoY)-11.25%-10.48%-6.51%-4.25%-2.44%+882 bps
Share Growth (YoY)-8.73%-6.17%-2.88%-5.40%-1.37%+736 bps
Asset Quality
Delinquent Loans / Loans0.40%0.26%0.26%0.30%0.07%-34 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 Capital21.48%22.26%22.38%21.45%21.70%+22 bps
Net Worth / Assets21.48%22.26%22.38%21.45%21.70%+22 bps
Liquidity & Funding
Loans / Shares85.57%88.80%87.65%83.61%84.64%-93 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps