PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Employees United

Paris, TX · Charter 21904

NCUA · 1 branch

Q2 2026

$12.4MAssets
$2.6MLoans
$8.3MShares
$4.1MNet 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 1.07%, down 3 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.08% of loans (+8 bps YoY).
  • Capital: net worth / assets of 32.74%, up 103 bps from a year ago.
  • Funding: loans stand at 31.70% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.06%-40 bps YoY

Efficiency Ratio (YTD, annualized)

75.98%+378 bps YoY

Net Worth / Assets

32.74%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.21%1.17%1.10%1.07%-3 bps
Return on Equity3.48%3.75%3.57%3.36%3.27%-20 bps
Net Interest Margin4.47%4.52%4.52%4.15%4.06%-40 bps
Efficiency Ratio72.20%71.27%72.91%73.97%75.98%+378 bps
Growth
Asset Growth (YoY)-7.13%-1.84%0.57%1.15%0.28%+740 bps
Loan Growth (YoY)-7.17%-2.37%-0.70%-2.34%-6.65%+52 bps
Share Growth (YoY)-11.77%-4.49%-0.96%-0.18%-1.26%+1,052 bps
Asset Quality
Delinquent Loans / Loans0.00%0.01%0.03%0.00%0.08%+8 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 Capital31.72%32.30%32.73%32.87%32.74%+103 bps
Net Worth / Assets31.72%32.30%32.73%32.87%32.74%+103 bps
Liquidity & Funding
Loans / Shares33.54%35.93%36.51%34.51%31.70%-183 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps