PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texas Gulf Carolina Emp

Aurora, NC · Charter 66320

NCUA · 3 branches

Q2 2026

$1.1MAssets
$769KLoans
$725KShares
$414KNet 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 -5.49%, up 17 bps year over year; NIM at 9.51%.
  • Asset quality: problem loans at 9.84% of loans (+900 bps YoY).
  • Capital: net worth / assets of 36.27%, up 280 bps from a year ago.
  • Funding: loans stand at 106.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-5.49%+17 bps YoY

Net Interest Margin (YTD, annualized)

9.51%-43 bps YoY

Efficiency Ratio (YTD, annualized)

157.72%+80 bps YoY

Net Worth / Assets

36.27%+280 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-5.66%-4.59%-14.83%-5.91%-5.49%+17 bps
Return on Equity-16.90%-13.82%-41.65%-16.31%-15.14%+176 bps
Net Interest Margin9.94%8.07%11.97%9.05%9.51%-43 bps
Efficiency Ratio156.92%156.79%142.65%165.26%157.72%+80 bps
Growth
Asset Growth (YoY)-16.21%-10.75%-17.45%-7.28%-24.34%-813 bps
Loan Growth (YoY)-17.74%-12.26%-18.85%-16.33%-16.29%+145 bps
Share Growth (YoY)-15.57%-14.65%-31.58%-28.96%-24.96%-940 bps
Asset Quality
Delinquent Loans / Loans0.84%5.14%3.17%9.33%9.84%+900 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%14.33%15.52%16.78%+1,678 bps
Capital
Risk-Based Capital33.48%33.20%35.62%36.22%36.27%+280 bps
Net Worth / Assets33.48%33.20%35.62%36.22%36.27%+280 bps
Liquidity & Funding
Loans / Shares95.13%103.97%129.89%118.01%106.12%+1,099 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps