PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vidor Teachers

Vidor, TX · Charter 21368

NCUA · 1 branch

Q2 2026

$3.3MAssets
$2.5MLoans
$2.8MShares
$525KNet 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 0.45%, up 6 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.81%, up 66 bps from a year ago.
  • Funding: loans stand at 88.35% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.65%+21 bps YoY

Efficiency Ratio (YTD, annualized)

83.16%+56 bps YoY

Net Worth / Assets

15.81%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.57%0.64%0.47%0.45%+6 bps
Return on Equity2.58%3.66%4.05%2.99%2.85%+26 bps
Net Interest Margin2.45%2.58%2.62%2.78%2.65%+21 bps
Efficiency Ratio82.59%77.12%74.96%83.10%83.16%+56 bps
Growth
Asset Growth (YoY)6.63%4.73%2.00%-0.07%-0.01%-663 bps
Loan Growth (YoY)-4.39%1.73%4.33%4.21%8.47%+1,286 bps
Share Growth (YoY)7.38%5.00%1.60%-0.86%-0.79%-817 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.18%0.18%0.17%0.18%0.16%-1 bps
Capital
Risk-Based Capital15.15%15.54%15.82%15.76%15.81%+66 bps
Net Worth / Assets15.15%15.54%15.82%15.76%15.81%+66 bps
Liquidity & Funding
Loans / Shares80.81%80.82%83.75%80.27%88.35%+754 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps