PackageTrendsPeer
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Waco

Waco, TX · Charter 6368

NCUA · 2 branches

Q2 2026

$20.3MAssets
$8.3MLoans
$18.1MShares
$2.1MNet 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 0.93%, down 37 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 1.43% of loans (+36 bps YoY).
  • Capital: net worth / assets of 10.19%, up 49 bps from a year ago.
  • Funding: loans stand at 46.09% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.93%-37 bps YoY

Net Interest Margin (quarter, annualized)

4.38%-8 bps YoY

Efficiency Ratio (quarter, annualized)

79.21%+327 bps YoY

Net Worth / Assets

10.19%+49 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.11%1.12%0.98%0.93%-37 bps
Return on Equity13.43%11.42%11.22%9.83%9.14%-429 bps
Net Interest Margin4.46%4.47%4.49%4.39%4.38%-8 bps
Efficiency Ratio75.94%78.72%78.33%76.46%79.21%+327 bps
Growth
Asset Growth (YoY)3.35%5.52%5.34%4.07%4.80%+144 bps
Loan Growth (YoY)5.56%11.52%8.24%5.15%2.81%-276 bps
Share Growth (YoY)3.54%4.18%4.84%3.06%4.53%+99 bps
Asset Quality
Delinquent Loans / Loans1.07%0.78%0.93%1.07%1.43%+36 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 Capital9.70%9.76%10.01%10.01%10.19%+49 bps
Net Worth / Assets9.70%9.76%10.01%10.01%10.19%+49 bps
Liquidity & Funding
Loans / Shares46.86%49.59%49.38%47.89%46.09%-77 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps