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Sacred Heart Parish Hallettsville

Hallettsville, TX · Charter 3946

NCUA · 1 branch

Q2 2026

$64.6MAssets
$31.0MLoans
$58.0MShares
$6.3MNet 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 0.17%, down 38 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.01% of loans (-20 bps YoY).
  • Capital: net worth / assets of 9.80%, down 85 bps from a year ago.
  • Funding: loans stand at 53.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.17%-38 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-21 bps YoY

Efficiency Ratio (YTD, annualized)

86.64%+566 bps YoY

Net Worth / Assets

9.80%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.61%0.65%0.08%0.17%-38 bps
Return on Equity5.22%5.81%6.10%0.73%1.75%-347 bps
Net Interest Margin3.15%3.12%3.12%3.10%2.94%-21 bps
Efficiency Ratio80.98%78.37%77.54%84.32%86.64%+566 bps
Growth
Asset Growth (YoY)6.87%10.43%10.78%9.89%13.76%+689 bps
Loan Growth (YoY)4.43%5.44%3.17%2.14%1.71%-272 bps
Share Growth (YoY)6.96%10.91%11.32%10.38%14.80%+784 bps
Asset Quality
Delinquent Loans / Loans0.21%0.21%0.56%0.02%0.01%-20 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 Capital10.65%10.57%10.60%10.40%9.80%-85 bps
Net Worth / Assets10.65%10.57%10.60%10.40%9.80%-85 bps
Liquidity & Funding
Loans / Shares60.30%59.93%58.13%56.72%53.42%-688 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps