PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rio Grande Valley Credit Union

Harlingen, TX · Charter 61734

NCUA · 5 branches

Q2 2026

$180.1MAssets
$62.4MLoans
$159.2MShares
$19.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.83%, down 3 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.42% of loans (+20 bps YoY).
  • Capital: net worth / assets of 10.54%, up 60 bps from a year ago.
  • Funding: loans stand at 39.21% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.83%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.32%+2 bps YoY

Efficiency Ratio (quarter, annualized)

76.95%+17 bps YoY

Net Worth / Assets

10.54%+60 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.15%0.57%0.87%0.94%1.08%0.90%0.83%-3 bps
Return on Equity13.98%10.97%5.71%8.71%9.56%10.35%8.77%7.90%-81 bps
Net Interest Margin3.37%3.45%3.31%3.30%3.22%3.34%3.20%3.32%+2 bps
Efficiency Ratio70.24%74.50%80.88%76.78%74.84%74.06%75.64%76.95%+17 bps
Growth
Asset Growth (YoY)2.73%3.75%6.23%10.23%13.43%12.43%9.69%4.76%-547 bps
Loan Growth (YoY)-7.96%-9.36%-11.37%-12.98%-13.71%-15.09%-11.21%-7.79%+519 bps
Share Growth (YoY)1.06%3.78%6.51%11.19%14.67%13.06%9.70%3.86%-733 bps
Asset Quality
Delinquent Loans / Loans0.25%0.25%0.22%0.22%0.39%0.53%0.48%0.42%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.33%10.50%10.02%9.94%9.87%10.42%10.27%10.54%+60 bps
Net Worth / Assets10.33%10.50%10.02%9.94%9.87%10.42%10.27%10.54%+60 bps
Liquidity & Funding
Loans / Shares58.82%56.39%49.35%44.16%44.26%42.35%39.94%39.21%-495 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps