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Del Rio, TX · Charter 24304

NCUA · 5 branches

Q2 2026

$269.8MAssets
$164.6MLoans
$206.4MShares
$48.1MNet 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 1.58%, down 8 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.67% of loans (+10 bps YoY).
  • Capital: net worth / assets of 17.83%, up 47 bps from a year ago.
  • Funding: loans stand at 79.73% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.58%-8 bps YoY

Net Interest Margin (quarter, annualized)

4.46%+5 bps YoY

Efficiency Ratio (quarter, annualized)

73.57%-22 bps YoY

Net Worth / Assets

17.83%+47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.61%1.58%1.23%1.58%-8 bps
Return on Equity9.56%9.13%8.87%7.07%8.84%-72 bps
Net Interest Margin4.41%4.45%4.47%4.40%4.46%+5 bps
Efficiency Ratio73.79%75.05%74.46%78.19%73.57%-22 bps
Growth
Asset Growth (YoY)4.16%4.64%7.00%5.04%6.44%+228 bps
Loan Growth (YoY)7.10%7.24%8.13%8.69%7.40%+30 bps
Share Growth (YoY)3.65%3.20%7.02%4.38%5.75%+210 bps
Asset Quality
Delinquent Loans / Loans0.57%0.75%0.59%0.67%0.67%+10 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 Capital17.36%17.65%17.82%17.43%17.83%+47 bps
Net Worth / Assets17.36%17.65%17.82%17.43%17.83%+47 bps
Liquidity & Funding
Loans / Shares78.50%80.66%80.84%77.75%79.73%+122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps