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Dexsta

Wilmington, DE · Charter 2187

NCUA · 6 branches

Q2 2026

$432.3MAssets
$251.0MLoans
$395.5MShares
$39.9MNet 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 0.48%, up 40 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 1.14% of loans (-26 bps YoY).
  • Capital: net worth / assets of 9.22%, up 6 bps from a year ago.
  • Funding: loans stand at 63.47% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.48%+40 bps YoY

Net Interest Margin (quarter, annualized)

2.87%+22 bps YoY

Efficiency Ratio (quarter, annualized)

80.06%-290 bps YoY

Net Worth / Assets

9.22%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.01%0.11%0.42%0.48%+40 bps
Return on Equity0.83%0.09%1.20%4.67%5.20%+437 bps
Net Interest Margin2.66%2.72%2.67%2.77%2.87%+22 bps
Efficiency Ratio82.96%83.52%82.67%79.74%80.06%-290 bps
Growth
Asset Growth (YoY)-3.03%0.52%3.63%3.95%2.76%+580 bps
Loan Growth (YoY)-6.46%-3.12%-2.03%0.48%-0.47%+599 bps
Share Growth (YoY)2.14%4.62%5.82%2.87%2.32%+18 bps
Asset Quality
Delinquent Loans / Loans1.39%1.33%1.43%1.16%1.14%-26 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 Capital9.15%9.19%9.02%9.02%9.22%+6 bps
Net Worth / Assets9.15%9.19%9.02%9.02%9.22%+6 bps
Liquidity & Funding
Loans / Shares65.25%66.31%62.52%62.02%63.47%-178 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps