PackageTrendsPeer
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Mil-Way

Texarkana, AR · Charter 24197

NCUA · 4 branches

Q2 2026

$189.6MAssets
$90.8MLoans
$168.5MShares
$19.5MNet 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 0.62%, up 19 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.13% of loans (+1 bps YoY).
  • Capital: net worth / assets of 10.30%, up 30 bps from a year ago.
  • Funding: loans stand at 53.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+24 bps YoY

Efficiency Ratio (YTD, annualized)

82.26%-432 bps YoY

Net Worth / Assets

10.30%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.45%0.51%0.63%0.62%+19 bps
Return on Equity4.31%4.48%5.02%6.19%6.03%+173 bps
Net Interest Margin2.69%2.73%2.74%2.86%2.93%+24 bps
Efficiency Ratio86.58%86.87%84.59%82.16%82.26%-432 bps
Growth
Asset Growth (YoY)7.36%9.68%9.00%5.64%3.16%-420 bps
Loan Growth (YoY)-2.18%-0.61%-0.45%0.79%2.23%+441 bps
Share Growth (YoY)8.16%10.27%9.36%5.60%2.71%-545 bps
Asset Quality
Delinquent Loans / Loans0.11%0.01%0.08%0.04%0.13%+1 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 Capital10.00%10.04%10.08%10.13%10.30%+30 bps
Net Worth / Assets10.00%10.04%10.08%10.13%10.30%+30 bps
Liquidity & Funding
Loans / Shares54.13%54.56%53.95%53.36%53.88%-25 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps