PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pecu

Austin, TX · Charter 67428

NCUA · 5 branches

Q2 2026

$431.4MAssets
$223.6MLoans
$368.7MShares
$63.7MNet 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 0.92%, down 30 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.47% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.78%, up 99 bps from a year ago.
  • Funding: loans stand at 60.64% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.92%-30 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+6 bps YoY

Efficiency Ratio (quarter, annualized)

62.34%+411 bps YoY

Net Worth / Assets

14.78%+99 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.23%1.14%0.95%0.92%-30 bps
Return on Equity8.79%8.83%8.09%6.64%6.20%-260 bps
Net Interest Margin3.41%3.47%3.48%3.39%3.47%+6 bps
Efficiency Ratio58.24%57.78%61.58%61.69%62.34%+411 bps
Growth
Asset Growth (YoY)2.71%2.95%1.74%0.45%0.07%-264 bps
Loan Growth (YoY)0.88%1.90%0.77%-3.09%-3.72%-459 bps
Share Growth (YoY)0.49%1.32%-0.16%-1.53%-1.28%-177 bps
Asset Quality
Delinquent Loans / Loans0.47%0.29%0.44%0.52%0.47%0 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 Capital13.79%13.98%14.14%14.31%14.78%+99 bps
Net Worth / Assets13.79%13.98%14.14%14.31%14.78%+99 bps
Liquidity & Funding
Loans / Shares62.17%61.45%59.84%58.59%60.64%-153 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps