PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Telco Plus

Longview, TX · Charter 66351

NCUA · 5 branches

Q2 2026

$124.3MAssets
$104.6MLoans
$108.2MShares
$11.5MNet 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 -0.44%, up 56 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.31% of loans (-62 bps YoY).
  • Capital: net worth / assets of 9.28%, down 40 bps from a year ago.
  • Funding: loans stand at 96.63% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.44%+56 bps YoY

Net Interest Margin (quarter, annualized)

4.11%+67 bps YoY

Efficiency Ratio (quarter, annualized)

86.00%-261 bps YoY

Net Worth / Assets

9.28%-40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.00%-1.40%-2.15%-1.09%-0.44%+56 bps
Return on Equity-10.37%-14.78%-24.21%-12.35%-4.76%+561 bps
Net Interest Margin3.43%3.65%3.95%3.79%4.11%+67 bps
Efficiency Ratio88.60%91.52%88.18%92.82%86.00%-261 bps
Growth
Asset Growth (YoY)7.12%4.34%-2.04%-7.79%-13.77%-2,088 bps
Loan Growth (YoY)4.35%1.53%0.14%-5.22%-8.44%-1,279 bps
Share Growth (YoY)6.69%3.53%-2.07%-7.29%-11.11%-1,780 bps
Asset Quality
Delinquent Loans / Loans0.93%1.82%0.60%0.40%0.31%-62 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 Capital9.68%9.46%8.89%8.86%9.28%-40 bps
Net Worth / Assets9.68%9.46%8.89%8.86%9.28%-40 bps
Liquidity & Funding
Loans / Shares93.82%96.58%100.15%95.57%96.63%+281 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps