PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

One Source

El Paso, TX · Charter 2115

NCUA · 3 branches

Q2 2026

$124.0MAssets
$72.2MLoans
$110.4MShares
$12.8MNet 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 -0.44%, down 58 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.27% of loans (-4 bps YoY).
  • Capital: net worth / assets of 10.29%, down 21 bps from a year ago.
  • Funding: loans stand at 65.39% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.44%-58 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+28 bps YoY

Efficiency Ratio (YTD, annualized)

104.20%+2,479 bps YoY

Net Worth / Assets

10.29%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.08%0.08%-0.27%-0.44%-58 bps
Return on Equity1.37%0.72%0.81%-2.58%-4.29%-566 bps
Net Interest Margin3.57%3.60%3.62%3.70%3.86%+28 bps
Efficiency Ratio79.41%78.53%83.43%106.17%104.20%+2,479 bps
Growth
Asset Growth (YoY)-0.45%0.84%0.76%0.82%-0.26%+19 bps
Loan Growth (YoY)8.63%5.99%-0.41%-7.39%-6.19%-1,483 bps
Share Growth (YoY)0.22%1.44%1.73%2.06%0.46%+23 bps
Asset Quality
Delinquent Loans / Loans0.32%0.74%0.83%0.37%0.27%-4 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 Capital10.50%10.51%10.42%10.35%10.29%-21 bps
Net Worth / Assets10.50%10.51%10.42%10.35%10.29%-21 bps
Liquidity & Funding
Loans / Shares70.02%70.05%67.78%64.68%65.39%-464 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps