PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cowboy Country

Premont, TX · Charter 5935

NCUA · 1 branch

Q2 2026

$16.8MAssets
$10.9MLoans
$14.3MShares
$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 -4.74%, down 564 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 6.70% of loans (+221 bps YoY).
  • Capital: net worth / assets of 14.86%, down 53 bps from a year ago.
  • Funding: loans stand at 76.20% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-4.74%-564 bps YoY

Net Interest Margin (quarter, annualized)

3.84%+23 bps YoY

Efficiency Ratio (quarter, annualized)

89.04%+909 bps YoY

Net Worth / Assets

14.86%-53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%-1.10%-1.30%-4.65%-4.74%-564 bps
Return on Equity5.84%-7.34%-8.83%-31.36%-31.86%-3,771 bps
Net Interest Margin3.62%3.75%3.78%3.67%3.84%+23 bps
Efficiency Ratio79.94%78.59%81.11%101.25%89.04%+909 bps
Growth
Asset Growth (YoY)4.12%2.85%-1.88%-9.41%-10.07%-1,419 bps
Loan Growth (YoY)-11.40%-9.30%-10.17%-13.99%-16.22%-481 bps
Share Growth (YoY)5.47%2.71%-2.24%-9.85%-9.22%-1,469 bps
Asset Quality
Delinquent Loans / Loans4.49%4.58%5.81%5.71%6.70%+221 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 Capital15.39%15.03%14.77%14.84%14.86%-53 bps
Net Worth / Assets15.39%15.03%14.77%14.84%14.86%-53 bps
Liquidity & Funding
Loans / Shares82.56%79.62%77.16%76.75%76.20%-636 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps