PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Met Tran

Houston, TX · Charter 24324

NCUA · 1 branch

Q2 2026

$11.2MAssets
$6.3MLoans
$9.4MShares
$1.6MNet 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 0.37%, up 3 bps year over year; NIM at 5.12%.
  • Asset quality: problem loans at 0.12% of loans (+7 bps YoY).
  • Capital: net worth / assets of 14.58%, up 9 bps from a year ago.
  • Funding: loans stand at 67.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+3 bps YoY

Net Interest Margin (YTD, annualized)

5.12%+37 bps YoY

Efficiency Ratio (YTD, annualized)

86.37%-264 bps YoY

Net Worth / Assets

14.58%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.76%0.82%0.02%0.37%+3 bps
Return on Equity2.34%5.18%5.44%0.13%2.52%+18 bps
Net Interest Margin4.75%4.92%5.17%5.25%5.12%+37 bps
Efficiency Ratio89.00%84.99%85.67%84.43%86.37%-264 bps
Growth
Asset Growth (YoY)-0.34%0.91%-2.56%1.74%2.91%+325 bps
Loan Growth (YoY)9.30%6.25%-5.51%-8.08%-9.01%-1,830 bps
Share Growth (YoY)0.35%-0.58%-0.02%1.84%1.36%+101 bps
Asset Quality
Delinquent Loans / Loans0.05%0.03%0.21%0.06%0.12%+7 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 Capital14.49%14.60%15.02%14.70%14.58%+9 bps
Net Worth / Assets14.49%14.60%15.02%14.70%14.58%+9 bps
Liquidity & Funding
Loans / Shares74.70%71.61%70.56%66.54%67.06%-764 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps