PackageTrendsPeer
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Mesquite

Mesquite, TX · Charter 67436

NCUA · 2 branches

Q2 2026

$40.8MAssets
$24.8MLoans
$36.0MShares
$4.5MNet 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 0.96%, up 6 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.03% of loans (-10 bps YoY).
  • Capital: net worth / assets of 10.96%, up 73 bps from a year ago.
  • Funding: loans stand at 69.08% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.96%+6 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+5 bps YoY

Efficiency Ratio (quarter, annualized)

79.22%-296 bps YoY

Net Worth / Assets

10.96%+73 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.90%0.92%0.92%0.96%+6 bps
Return on Equity8.75%8.71%8.71%8.65%8.73%-3 bps
Net Interest Margin4.20%4.20%4.20%4.18%4.25%+5 bps
Efficiency Ratio82.18%82.27%81.46%80.05%79.22%-296 bps
Growth
Asset Growth (YoY)-0.53%0.65%2.05%0.91%2.10%+263 bps
Loan Growth (YoY)-5.51%-3.03%4.03%0.11%-1.70%+380 bps
Share Growth (YoY)-0.87%0.01%1.13%0.31%0.92%+179 bps
Asset Quality
Delinquent Loans / Loans0.13%0.13%0.13%0.03%0.03%-10 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 Capital10.23%10.35%10.55%10.67%10.96%+73 bps
Net Worth / Assets10.23%10.35%10.55%10.67%10.96%+73 bps
Liquidity & Funding
Loans / Shares70.93%68.82%73.08%70.50%69.08%-185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps