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Edinburg Teachers

Edinburg, TX · Charter 66366

NCUA · 1 branch

Q2 2026

$98.0MAssets
$20.6MLoans
$80.7MShares
$22.1MNet 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 0.23%, down 15 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.12% of loans (-4 bps YoY).
  • Capital: net worth / assets of 22.59%, down 50 bps from a year ago.
  • Funding: loans stand at 25.59% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.23%-15 bps YoY

Net Interest Margin (quarter, annualized)

2.63%-16 bps YoY

Efficiency Ratio (quarter, annualized)

89.88%+62 bps YoY

Net Worth / Assets

22.59%-50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.46%0.38%0.07%0.23%-15 bps
Return on Equity1.67%2.01%1.65%0.30%1.03%-63 bps
Net Interest Margin2.79%2.78%2.73%2.62%2.63%-16 bps
Efficiency Ratio89.25%85.36%87.37%95.10%89.88%+62 bps
Growth
Asset Growth (YoY)5.27%4.13%7.35%3.83%3.43%-184 bps
Loan Growth (YoY)8.96%0.05%-1.68%-7.17%-9.21%-1,817 bps
Share Growth (YoY)2.26%3.76%5.21%2.37%2.21%-5 bps
Asset Quality
Delinquent Loans / Loans0.16%0.03%0.01%0.00%0.12%-4 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 Capital23.09%23.02%22.73%22.57%22.59%-50 bps
Net Worth / Assets23.09%23.02%22.73%22.57%22.59%-50 bps
Liquidity & Funding
Loans / Shares28.80%27.34%27.14%26.17%25.59%-322 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps