PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valwood Park

Carrollton, TX · Charter 21788

NCUA · 1 branch

Q2 2026

$29.7MAssets
$15.3MLoans
$26.5MShares
$3.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.40%, down 6 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.41% of loans (+29 bps YoY).
  • Capital: net worth / assets of 10.13%, down 43 bps from a year ago.
  • Funding: loans stand at 57.77% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.40%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.12%-20 bps YoY

Efficiency Ratio (YTD, annualized)

89.23%-125 bps YoY

Net Worth / Assets

10.13%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%4.85%0.43%0.46%0.58%0.73%0.21%0.40%-6 bps
Return on Equity8.46%44.92%4.20%4.37%5.55%6.87%1.93%3.92%-45 bps
Net Interest Margin4.32%4.27%3.94%4.31%4.34%4.29%4.42%4.12%-20 bps
Efficiency Ratio83.26%45.26%90.54%90.48%88.36%85.81%91.41%89.23%-125 bps
Growth
Asset Growth (YoY)-4.14%-3.11%3.31%10.82%8.78%9.64%-0.10%11.68%+87 bps
Loan Growth (YoY)-16.80%-20.06%-13.49%-8.09%-1.93%2.55%0.44%2.44%+1,052 bps
Share Growth (YoY)-5.05%-7.80%-1.03%6.57%4.21%9.27%-0.93%11.60%+502 bps
Asset Quality
Delinquent Loans / Loans1.35%0.89%0.37%0.12%0.30%0.23%1.11%0.41%+29 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 Capital6.45%10.80%10.18%10.56%10.51%10.58%10.88%10.13%-43 bps
Net Worth / Assets6.45%10.80%10.18%10.56%10.51%10.58%10.88%10.13%-43 bps
Liquidity & Funding
Loans / Shares65.65%64.26%60.13%62.94%61.78%60.30%60.97%57.77%-517 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps