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Libertyone

Arlington, TX · Charter 61604

NCUA · 3 branches

Q2 2026

$175.5MAssets
$126.4MLoans
$155.6MShares
$19.6MNet 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 0.38%, up 18 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 1.32% of loans (+54 bps YoY).
  • Capital: net worth / assets of 11.15%, up 35 bps from a year ago.
  • Funding: loans stand at 81.21% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.38%+18 bps YoY

Net Interest Margin (quarter, annualized)

2.63%+30 bps YoY

Efficiency Ratio (quarter, annualized)

74.88%-843 bps YoY

Net Worth / Assets

11.15%+35 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.23%0.27%0.43%0.38%+18 bps
Return on Equity1.81%2.11%2.48%3.91%3.41%+160 bps
Net Interest Margin2.33%2.35%2.45%2.60%2.63%+30 bps
Efficiency Ratio83.32%81.51%79.65%72.13%74.88%-843 bps
Growth
Asset Growth (YoY)3.42%2.82%2.45%0.00%0.16%-326 bps
Loan Growth (YoY)-3.92%-3.08%-2.04%-1.70%0.06%+399 bps
Share Growth (YoY)2.79%2.40%2.09%-0.16%-0.51%-330 bps
Asset Quality
Delinquent Loans / Loans0.78%1.08%0.93%1.04%1.32%+54 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 Capital10.80%10.75%10.89%10.93%11.15%+35 bps
Net Worth / Assets10.80%10.75%10.89%10.93%11.15%+35 bps
Liquidity & Funding
Loans / Shares80.75%78.11%81.90%81.89%81.21%+46 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps