PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members Financial

Midland, TX · Charter 4020

NCUA · 1 branch

Q2 2026

$38.6MAssets
$20.7MLoans
$34.9MShares
$3.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.02%, down 105 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.16% of loans (-7 bps YoY).
  • Capital: net worth / assets of 8.77%, down 86 bps from a year ago.
  • Funding: loans stand at 59.35% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.02%-105 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+3 bps YoY

Efficiency Ratio (YTD, annualized)

91.64%+1,381 bps YoY

Net Worth / Assets

8.77%-86 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.50%1.98%1.03%0.91%0.73%-0.76%-0.02%-105 bps
Return on Equity5.15%4.77%19.99%10.72%9.12%7.61%-8.15%-0.21%-1,092 bps
Net Interest Margin4.34%3.98%2.79%2.96%3.11%3.04%3.13%2.99%+3 bps
Efficiency Ratio86.00%86.79%63.22%77.84%80.04%82.87%100.24%91.64%+1,381 bps
Growth
Asset Growth (YoY)1.85%4.20%17.06%22.80%18.61%16.81%7.34%12.39%-1,041 bps
Loan Growth (YoY)6.21%3.86%-1.50%-6.70%-4.03%-3.49%-1.65%1.59%+829 bps
Share Growth (YoY)2.76%4.83%18.98%28.32%19.93%19.22%8.01%13.57%-1,475 bps
Asset Quality
Delinquent Loans / Loans0.28%0.47%0.14%0.23%0.13%0.34%0.17%0.16%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.87%10.38%9.92%9.63%9.93%9.62%9.31%8.77%-86 bps
Net Worth / Assets10.87%10.38%9.92%9.63%9.93%9.62%9.31%8.77%-86 bps
Liquidity & Funding
Loans / Shares85.08%80.50%71.72%66.35%68.08%65.17%65.31%59.35%-700 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps