PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Brazos Community

Alvin, TX · Charter 67510

NCUA · 1 branch

Q2 2026

$20.0MAssets
$14.5MLoans
$16.4MShares
$3.4MNet 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 -2.89%, up 276 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 2.10% of loans (+11 bps YoY).
  • Capital: net worth / assets of 16.99%, down 9 bps from a year ago.
  • Funding: loans stand at 88.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.89%+276 bps YoY

Net Interest Margin (YTD, annualized)

4.05%-19 bps YoY

Efficiency Ratio (YTD, annualized)

112.81%+1,516 bps YoY

Net Worth / Assets

16.99%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-5.65%-4.79%-3.78%-2.38%-2.89%+276 bps
Return on Equity-33.05%-26.80%-20.53%-13.37%-16.99%+1,606 bps
Net Interest Margin4.24%4.52%4.56%4.04%4.05%-19 bps
Efficiency Ratio97.65%101.28%103.55%111.54%112.81%+1,516 bps
Growth
Asset Growth (YoY)-21.39%-23.16%-20.91%-13.63%-10.41%+1,098 bps
Loan Growth (YoY)-18.82%-18.44%-17.40%-16.54%-15.69%+313 bps
Share Growth (YoY)-21.52%-24.07%-22.23%-14.41%-10.71%+1,081 bps
Asset Quality
Delinquent Loans / Loans1.98%2.61%2.64%3.15%2.10%+11 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 Capital17.09%17.86%18.39%17.79%16.99%-9 bps
Net Worth / Assets17.09%17.86%18.39%17.79%16.99%-9 bps
Liquidity & Funding
Loans / Shares93.97%95.92%95.20%90.85%88.73%-525 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps