PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texasgulf

Wharton, TX · Charter 2322

NCUA · 2 branches

Q2 2026

$220.5MAssets
$136.2MLoans
$189.3MShares
$31.5MNet 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 0.85%, down 25 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.61% of loans (+14 bps YoY).
  • Capital: net worth / assets of 14.27%, up 15 bps from a year ago.
  • Funding: loans stand at 71.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+13 bps YoY

Efficiency Ratio (YTD, annualized)

71.25%+797 bps YoY

Net Worth / Assets

14.27%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.08%1.13%0.77%0.85%-25 bps
Return on Equity7.86%7.71%7.99%5.54%5.99%-187 bps
Net Interest Margin3.05%3.02%3.04%3.10%3.18%+13 bps
Efficiency Ratio63.28%64.78%64.10%71.88%71.25%+797 bps
Growth
Asset Growth (YoY)6.67%6.17%4.77%4.64%6.26%-42 bps
Loan Growth (YoY)9.35%10.55%9.01%3.42%4.04%-531 bps
Share Growth (YoY)6.09%4.39%2.44%3.58%5.82%-27 bps
Asset Quality
Delinquent Loans / Loans0.47%0.61%0.62%0.49%0.61%+14 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 Capital14.12%14.01%14.16%13.98%14.27%+15 bps
Net Worth / Assets14.12%14.01%14.16%13.98%14.27%+15 bps
Liquidity & Funding
Loans / Shares73.14%73.17%74.18%70.37%71.91%-123 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps