PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Angelina County Teachers

Lufkin, TX · Charter 67440

NCUA · 1 branch

Q2 2026

$12.9MAssets
$3.8MLoans
$10.5MShares
$2.4MNet 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 2.33%, up 81 bps year over year; NIM at 5.15%.
  • Asset quality: problem loans at 0.04% of loans (-15 bps YoY).
  • Capital: net worth / assets of 18.38%, up 217 bps from a year ago.
  • Funding: loans stand at 36.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.33%+81 bps YoY

Net Interest Margin (YTD, annualized)

5.15%+46 bps YoY

Efficiency Ratio (YTD, annualized)

55.67%-1,339 bps YoY

Net Worth / Assets

18.38%+217 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.52%1.62%1.79%2.16%2.33%+81 bps
Return on Equity9.35%9.71%10.32%12.14%12.67%+332 bps
Net Interest Margin4.69%4.79%4.97%4.98%5.15%+46 bps
Efficiency Ratio69.06%67.92%66.23%58.41%55.67%-1,339 bps
Growth
Asset Growth (YoY)0.20%0.56%0.67%0.81%0.06%-14 bps
Loan Growth (YoY)-18.30%-4.10%-2.68%-1.89%-1.35%+1,695 bps
Share Growth (YoY)-1.50%-1.33%-1.42%-1.33%-2.60%-110 bps
Asset Quality
Delinquent Loans / Loans0.19%0.18%0.08%0.16%0.04%-15 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 Capital16.21%16.72%17.36%17.78%18.38%+217 bps
Net Worth / Assets16.21%16.72%17.36%17.78%18.38%+217 bps
Liquidity & Funding
Loans / Shares36.14%40.32%42.40%38.15%36.60%+47 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps