PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mid-Tex

Brownwood, TX · Charter 24454

NCUA · 1 branch

Q2 2026

$36.4MAssets
$21.1MLoans
$33.7MShares
$3.3MNet 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 0.89%, up 21 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 0.90% of loans (+62 bps YoY).
  • Capital: net worth / assets of 9.20%, up 83 bps from a year ago.
  • Funding: loans stand at 62.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.56%+28 bps YoY

Efficiency Ratio (YTD, annualized)

85.97%-61 bps YoY

Net Worth / Assets

9.20%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.73%0.81%1.00%0.89%+21 bps
Return on Equity8.19%8.60%9.30%11.25%9.70%+151 bps
Net Interest Margin4.27%4.30%4.38%4.46%4.56%+28 bps
Efficiency Ratio86.58%86.81%85.70%83.99%85.97%-61 bps
Growth
Asset Growth (YoY)4.42%4.72%4.45%3.31%1.16%-326 bps
Loan Growth (YoY)2.87%4.46%6.49%6.16%3.55%+68 bps
Share Growth (YoY)3.82%4.29%3.85%4.81%3.25%-57 bps
Asset Quality
Delinquent Loans / Loans0.28%1.17%0.28%1.05%0.90%+62 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 Capital8.38%8.44%8.73%8.88%9.20%+83 bps
Net Worth / Assets8.38%8.44%8.73%8.88%9.20%+83 bps
Liquidity & Funding
Loans / Shares62.41%62.23%63.33%62.24%62.59%+18 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps