PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texas DPS

Austin, TX · Charter 67511

NCUA · 2 branches

Q2 2026

$98.1MAssets
$56.2MLoans
$85.2MShares
$12.2MNet 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 0.61%, down 41 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.15% of loans (-2 bps YoY).
  • Capital: net worth / assets of 12.48%, up 90 bps from a year ago.
  • Funding: loans stand at 66.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-41 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+11 bps YoY

Efficiency Ratio (YTD, annualized)

82.31%+1,145 bps YoY

Net Worth / Assets

12.48%+90 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.05%1.11%0.73%0.61%-41 bps
Return on Equity8.75%8.94%9.20%6.04%4.87%-388 bps
Net Interest Margin3.94%3.94%4.02%3.95%4.05%+11 bps
Efficiency Ratio70.86%71.81%71.34%79.13%82.31%+1,145 bps
Growth
Asset Growth (YoY)3.83%4.51%0.53%1.18%-0.07%-390 bps
Loan Growth (YoY)-4.86%-0.75%1.48%2.48%-0.11%+475 bps
Share Growth (YoY)2.74%3.33%-0.35%0.10%-1.33%-406 bps
Asset Quality
Delinquent Loans / Loans0.17%0.71%0.90%0.45%0.15%-2 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 Capital11.59%11.71%12.11%12.14%12.48%+90 bps
Net Worth / Assets11.59%11.71%12.11%12.14%12.48%+90 bps
Liquidity & Funding
Loans / Shares65.22%65.68%66.70%65.68%66.02%+80 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps