PackageTrendsPeer
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Aspire

Lufkin, TX · Charter 67489

NCUA · 1 branch

Q2 2026

$38.0MAssets
$22.5MLoans
$30.0MShares
$7.8MNet 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 1.56%, down 38 bps year over year; NIM at 5.16%.
  • Asset quality: problem loans at 0.05% of loans (-1 bps YoY).
  • Capital: net worth / assets of 20.52%, up 166 bps from a year ago.
  • Funding: loans stand at 74.94% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.56%-38 bps YoY

Net Interest Margin (quarter, annualized)

5.16%-3 bps YoY

Efficiency Ratio (quarter, annualized)

73.92%+478 bps YoY

Net Worth / Assets

20.52%+166 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.94%1.89%1.83%1.80%1.56%-38 bps
Return on Equity10.27%9.92%9.38%8.91%7.60%-268 bps
Net Interest Margin5.19%5.18%5.22%5.18%5.16%-3 bps
Efficiency Ratio69.14%69.16%70.49%70.60%73.92%+478 bps
Growth
Asset Growth (YoY)0.21%2.09%3.43%-0.43%0.02%-19 bps
Loan Growth (YoY)-9.04%-4.97%-4.89%2.27%1.59%+1,062 bps
Share Growth (YoY)-2.31%0.05%0.61%-3.14%-2.17%+14 bps
Asset Quality
Delinquent Loans / Loans0.06%0.19%0.19%0.10%0.05%-1 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 Capital18.86%19.08%19.54%20.22%20.52%+166 bps
Net Worth / Assets18.86%19.08%19.54%20.22%20.52%+166 bps
Liquidity & Funding
Loans / Shares72.17%72.87%72.06%77.00%74.94%+277 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps