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Ben E Keith Company Employees

Fort Worth, TX · Charter 514

NCUA · 1 branch

Q2 2026

$11.9MAssets
$4.5MLoans
$9.4MShares
$2.5MNet 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 1.78%, down 3 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 1.07% of loans (+107 bps YoY).
  • Capital: net worth / assets of 20.86%, up 117 bps from a year ago.
  • Funding: loans stand at 47.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.78%-3 bps YoY

Net Interest Margin (quarter, annualized)

4.30%-25 bps YoY

Efficiency Ratio (quarter, annualized)

61.60%+215 bps YoY

Net Worth / Assets

20.86%+117 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.53%1.71%2.17%1.78%-3 bps
Return on Equity9.18%7.71%8.43%10.37%8.51%-67 bps
Net Interest Margin4.55%4.47%4.53%4.41%4.30%-25 bps
Efficiency Ratio59.45%60.71%60.41%61.88%61.60%+215 bps
Growth
Asset Growth (YoY)2.14%2.72%3.43%2.15%2.30%+15 bps
Loan Growth (YoY)-6.03%-4.17%-5.37%-3.61%-8.42%-240 bps
Share Growth (YoY)0.84%0.48%2.98%0.40%1.50%+66 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.11%1.07%+107 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 Capital19.69%19.79%20.28%20.93%20.86%+117 bps
Net Worth / Assets19.69%19.79%20.28%20.93%20.86%+117 bps
Liquidity & Funding
Loans / Shares53.01%53.34%53.73%51.59%47.83%-518 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps