PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texas Associations of Professionals

San Antonio, TX · Charter 23184

NCUA · 1 branch

Q2 2026

$29.6MAssets
$23.7MLoans
$24.7MShares
$4.7MNet 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 1.97%, up 248 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.08% of loans (-47 bps YoY).
  • Capital: net worth / assets of 15.73%, up 73 bps from a year ago.
  • Funding: loans stand at 96.22% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.97%+248 bps YoY

Net Interest Margin (quarter, annualized)

4.45%+6 bps YoY

Efficiency Ratio (quarter, annualized)

70.12%-3,917 bps YoY

Net Worth / Assets

15.73%+73 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.51%-0.23%0.04%3.05%1.97%+248 bps
Return on Equity-3.41%-1.47%0.25%18.99%12.50%+1,591 bps
Net Interest Margin4.38%4.52%4.73%4.69%4.45%+6 bps
Efficiency Ratio109.29%104.07%103.66%61.89%70.12%-3,917 bps
Growth
Asset Growth (YoY)-9.62%-9.35%-11.81%-8.57%-1.48%+813 bps
Loan Growth (YoY)-15.52%-16.23%-10.21%-7.45%-8.55%+697 bps
Share Growth (YoY)-10.01%-9.83%-13.58%-10.24%-4.65%+536 bps
Asset Quality
Delinquent Loans / Loans0.55%0.26%0.65%0.47%0.08%-47 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 Capital15.01%15.48%15.53%16.07%15.73%+73 bps
Net Worth / Assets15.01%15.48%15.53%16.07%15.73%+73 bps
Liquidity & Funding
Loans / Shares100.32%95.69%103.24%99.90%96.22%-410 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps