PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texar

Texarkana, TX · Charter 24567

NCUA · 4 branches

Q2 2026

$440.5MAssets
$256.4MLoans
$335.3MShares
$72.3MNet 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 0.79%, up 41 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.72% of loans (+15 bps YoY).
  • Capital: net worth / assets of 16.42%, up 53 bps from a year ago.
  • Funding: loans stand at 76.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+35 bps YoY

Efficiency Ratio (YTD, annualized)

74.38%-759 bps YoY

Net Worth / Assets

16.42%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.43%0.50%0.69%0.79%+41 bps
Return on Equity2.43%2.69%3.19%4.28%4.84%+241 bps
Net Interest Margin2.70%2.73%2.74%2.97%3.05%+35 bps
Efficiency Ratio81.97%79.46%77.31%74.84%74.38%-759 bps
Growth
Asset Growth (YoY)-6.72%-4.27%3.77%1.38%0.95%+767 bps
Loan Growth (YoY)-2.93%0.60%5.83%9.03%4.55%+748 bps
Share Growth (YoY)2.76%3.61%5.42%1.68%1.74%-102 bps
Asset Quality
Delinquent Loans / Loans0.57%0.51%0.55%0.51%0.72%+15 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 Capital15.88%15.93%15.81%16.04%16.42%+53 bps
Net Worth / Assets15.88%15.93%15.81%16.04%16.42%+53 bps
Liquidity & Funding
Loans / Shares74.40%74.23%76.93%77.38%76.45%+205 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps