PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texas Bay

Houston, TX · Charter 67465

NCUA · 10 branches

Q2 2026

$905.0MAssets
$711.2MLoans
$763.5MShares
$67.8MNet 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 0.27%, down 25 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.55% of loans (-24 bps YoY).
  • Capital: net worth / assets of 7.49%, down 10 bps from a year ago.
  • Funding: loans stand at 93.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.27%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-5 bps YoY

Efficiency Ratio (YTD, annualized)

83.44%+723 bps YoY

Net Worth / Assets

7.49%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.52%0.66%0.17%0.27%-25 bps
Return on Equity6.87%6.91%8.50%2.25%3.65%-322 bps
Net Interest Margin3.66%3.72%3.67%3.55%3.61%-5 bps
Efficiency Ratio76.21%73.68%73.85%85.75%83.44%+723 bps
Growth
Asset Growth (YoY)8.97%3.96%4.27%3.78%3.61%-536 bps
Loan Growth (YoY)15.59%14.35%11.11%6.26%6.25%-935 bps
Share Growth (YoY)11.76%5.02%5.16%3.98%4.02%-774 bps
Asset Quality
Delinquent Loans / Loans0.79%0.87%0.67%0.64%0.55%-24 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 Capital7.59%7.59%7.72%7.67%7.49%-10 bps
Net Worth / Assets7.59%7.59%7.72%7.67%7.49%-10 bps
Liquidity & Funding
Loans / Shares91.20%94.07%91.86%89.91%93.15%+195 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps