PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

P.I.E.

Houston, TX · Charter 66582

NCUA · 1 branch

Q2 2026

$11.8MAssets
$7.1MLoans
$8.9MShares
$2.8MNet 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 1.62%, down 51 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 0.71% of loans (+62 bps YoY).
  • Capital: net worth / assets of 23.88%, up 64 bps from a year ago.
  • Funding: loans stand at 79.75% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%-51 bps YoY

Net Interest Margin (YTD, annualized)

4.75%-19 bps YoY

Efficiency Ratio (YTD, annualized)

68.85%+1,085 bps YoY

Net Worth / Assets

23.88%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.12%2.19%2.14%1.64%1.62%-51 bps
Return on Equity9.14%9.17%8.52%6.72%6.76%-238 bps
Net Interest Margin4.94%5.00%5.11%4.96%4.75%-19 bps
Efficiency Ratio58.00%56.78%58.65%67.41%68.85%+1,085 bps
Growth
Asset Growth (YoY)0.41%0.93%-5.18%-2.34%4.95%+454 bps
Loan Growth (YoY)12.85%9.22%-2.26%-3.29%5.38%-747 bps
Share Growth (YoY)-0.55%-2.78%-9.10%-4.21%4.48%+503 bps
Asset Quality
Delinquent Loans / Loans0.09%0.61%0.67%0.71%0.71%+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 Capital23.24%23.89%25.09%24.41%23.88%+64 bps
Net Worth / Assets23.24%23.89%25.09%24.41%23.88%+64 bps
Liquidity & Funding
Loans / Shares79.07%79.46%79.61%72.07%79.75%+68 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps