PackageTrendsPeer
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Fort Worth, TX · Charter 577

NCUA · 1 branch

Q2 2026

$15.8MAssets
$13.7MLoans
$13.6MShares
$1.9MNet 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 -1.80%, down 262 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.77% of loans (-28 bps YoY).
  • Capital: net worth / assets of 12.24%, down 124 bps from a year ago.
  • Funding: loans stand at 100.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.80%-262 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+24 bps YoY

Efficiency Ratio (YTD, annualized)

95.07%+1,871 bps YoY

Net Worth / Assets

12.24%-124 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.37%0.12%-3.28%-1.80%-262 bps
Return on Equity6.08%2.83%0.97%-27.35%-14.68%-2,077 bps
Net Interest Margin4.06%4.07%4.04%4.10%4.29%+24 bps
Efficiency Ratio76.36%81.44%86.64%96.19%95.07%+1,871 bps
Growth
Asset Growth (YoY)-0.17%-2.29%-1.42%-3.92%-1.06%-89 bps
Loan Growth (YoY)-0.19%6.01%5.56%0.44%0.43%+63 bps
Share Growth (YoY)0.50%-3.09%-1.42%-2.72%-0.46%-96 bps
Asset Quality
Delinquent Loans / Loans1.05%1.50%2.67%1.66%0.77%-28 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 Capital13.49%13.23%12.74%12.01%12.24%-124 bps
Net Worth / Assets13.49%13.23%12.74%12.01%12.24%-124 bps
Liquidity & Funding
Loans / Shares99.65%101.25%97.36%94.34%100.55%+90 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps