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Central Texas Teachers

Corsicana, TX · Charter 67425

NCUA · 1 branch

Q2 2026

$13.7MAssets
$9.5MLoans
$11.5MShares
$2.2MNet Worth

Executive Summary

  • Earnings: ROA of -0.50%, down 99 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.91%, down 12 bps from a year ago.
  • Funding: loans stand at 82.23% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.50%-99 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-44 bps YoY

Efficiency Ratio (YTD, annualized)

101.10%+1,025 bps YoY

Net Worth / Assets

15.91%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.95%0.38%0.48%0.41%0.50%-0.19%-0.50%-99 bps
Return on Equity5.77%6.17%2.39%3.02%2.59%3.20%-1.18%-3.17%-619 bps
Net Interest Margin3.72%3.83%3.45%3.74%3.72%3.70%3.04%3.31%-44 bps
Efficiency Ratio83.26%80.66%95.10%90.85%91.80%88.77%108.23%101.10%+1,025 bps
Growth
Asset Growth (YoY)-7.13%-3.99%-5.16%-5.40%-1.61%-0.22%-1.24%0.35%+575 bps
Loan Growth (YoY)11.64%0.20%-3.91%-7.58%-4.72%-2.36%-2.34%3.48%+1,106 bps
Share Growth (YoY)-9.11%-5.60%-6.92%-7.28%-2.62%-0.90%-1.92%0.45%+773 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.02%15.33%15.67%16.03%15.78%15.78%16.16%15.91%-12 bps
Net Worth / Assets15.02%15.33%15.67%16.03%15.78%15.78%16.16%15.91%-12 bps
Liquidity & Funding
Loans / Shares80.86%78.09%80.73%79.82%79.11%76.94%80.39%82.23%+241 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps