PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valex

Alexandria, LA · Charter 6116

NCUA · 2 branches

Q2 2026

$41.0MAssets
$27.8MLoans
$37.5MShares
$3.9MNet 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 1.51%, up 127 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 1.57% of loans (-2 bps YoY).
  • Capital: net worth / assets of 9.48%, up 219 bps from a year ago.
  • Funding: loans stand at 74.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.51%+127 bps YoY

Net Interest Margin (YTD, annualized)

4.66%+69 bps YoY

Efficiency Ratio (YTD, annualized)

58.65%-1,940 bps YoY

Net Worth / Assets

9.48%+219 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%1.30%1.20%1.86%1.51%+127 bps
Return on Equity3.24%16.10%13.78%20.54%15.93%+1,269 bps
Net Interest Margin3.97%4.77%4.40%4.60%4.66%+69 bps
Efficiency Ratio78.04%72.09%74.36%59.00%58.65%-1,940 bps
Growth
Asset Growth (YoY)-2.21%-4.45%-3.76%-5.77%-6.55%-434 bps
Loan Growth (YoY)-10.35%-12.72%-14.26%-13.58%-13.89%-353 bps
Share Growth (YoY)-2.72%-5.45%-4.21%-7.86%-7.76%-504 bps
Asset Quality
Delinquent Loans / Loans1.60%1.80%2.30%1.45%1.57%-2 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 Capital7.29%8.07%8.68%9.04%9.48%+219 bps
Net Worth / Assets7.29%8.07%8.68%9.04%9.48%+219 bps
Liquidity & Funding
Loans / Shares79.29%80.07%77.03%75.59%74.02%-527 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps