PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Brazos Star

College Station, TX · Charter 67408

NCUA · 2 branches

Q2 2026

$35.5MAssets
$15.3MLoans
$30.0MShares
$5.4MNet 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 0.97%, down 7 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.40% of loans (-28 bps YoY).
  • Capital: net worth / assets of 15.07%, up 48 bps from a year ago.
  • Funding: loans stand at 51.07% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.97%-7 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+14 bps YoY

Efficiency Ratio (quarter, annualized)

63.92%-92 bps YoY

Net Worth / Assets

15.07%+48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.11%0.95%0.74%0.97%-7 bps
Return on Equity7.12%7.39%6.39%4.99%6.44%-68 bps
Net Interest Margin3.32%3.40%3.27%3.42%3.46%+14 bps
Efficiency Ratio64.84%64.40%67.62%64.58%63.92%-92 bps
Growth
Asset Growth (YoY)0.60%-1.02%1.22%0.99%3.07%+247 bps
Loan Growth (YoY)9.56%10.78%11.01%9.49%5.43%-413 bps
Share Growth (YoY)-0.63%-1.57%0.31%0.78%2.61%+324 bps
Asset Quality
Delinquent Loans / Loans0.69%0.76%0.71%0.47%0.40%-28 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 Capital14.60%14.97%14.83%14.86%15.07%+48 bps
Net Worth / Assets14.60%14.97%14.83%14.86%15.07%+48 bps
Liquidity & Funding
Loans / Shares49.70%51.29%51.49%50.10%51.07%+137 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps