PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Centex Citizens

Mexia, TX · Charter 67416

NCUA · 3 branches

Q2 2026

$118.9MAssets
$64.2MLoans
$97.7MShares
$20.4MNet 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 1.23%, up 11 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.44% of loans (+17 bps YoY).
  • Capital: net worth / assets of 17.16%, up 9 bps from a year ago.
  • Funding: loans stand at 65.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+11 bps YoY

Net Interest Margin (YTD, annualized)

4.22%-23 bps YoY

Efficiency Ratio (YTD, annualized)

77.92%-158 bps YoY

Net Worth / Assets

17.16%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.11%1.17%0.99%1.23%+11 bps
Return on Equity6.55%6.52%6.79%5.81%7.14%+59 bps
Net Interest Margin4.44%4.44%4.42%4.18%4.22%-23 bps
Efficiency Ratio79.50%80.00%78.95%80.53%77.92%-158 bps
Growth
Asset Growth (YoY)7.29%9.21%10.20%8.35%7.00%-30 bps
Loan Growth (YoY)-0.19%0.82%2.10%-1.23%-3.32%-313 bps
Share Growth (YoY)8.93%9.76%11.07%8.70%6.97%-196 bps
Asset Quality
Delinquent Loans / Loans0.27%0.22%0.31%0.22%0.44%+17 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 Capital17.07%17.10%17.24%16.95%17.16%+9 bps
Net Worth / Assets17.07%17.10%17.24%16.95%17.16%+9 bps
Liquidity & Funding
Loans / Shares72.74%71.86%71.37%66.49%65.74%-700 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps