PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Primeway

Houston, TX · Charter 2131

NCUA · 7 branches

Q2 2026

$735.7MAssets
$545.5MLoans
$560.4MShares
$94.2MNet 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 0.11%, down 1 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 1.33% of loans (+30 bps YoY).
  • Capital: net worth / assets of 12.81%, down 33 bps from a year ago.
  • Funding: loans stand at 97.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.11%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+7 bps YoY

Efficiency Ratio (YTD, annualized)

87.97%-485 bps YoY

Net Worth / Assets

12.81%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.20%0.16%0.16%0.11%-1 bps
Return on Equity0.86%1.54%1.25%1.25%0.84%-2 bps
Net Interest Margin3.56%3.58%3.62%3.68%3.63%+7 bps
Efficiency Ratio92.83%91.59%90.83%86.05%87.97%-485 bps
Growth
Asset Growth (YoY)-2.64%-12.24%-0.09%-0.26%2.46%+510 bps
Loan Growth (YoY)-4.92%3.01%3.80%3.32%2.82%+774 bps
Share Growth (YoY)-3.43%-2.72%-0.48%0.07%-0.68%+276 bps
Asset Quality
Delinquent Loans / Loans1.03%1.35%1.35%1.30%1.33%+30 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 Capital13.14%13.18%13.13%12.86%12.81%-33 bps
Net Worth / Assets13.14%13.18%13.13%12.86%12.81%-33 bps
Liquidity & Funding
Loans / Shares94.03%96.44%96.22%93.95%97.34%+331 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps