PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Metro Medical

Dallas, TX · Charter 67517

NCUA · 2 branches

Q2 2026

$82.7MAssets
$26.7MLoans
$67.2MShares
$14.8MNet 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 1.60%, up 59 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.66% of loans (+24 bps YoY).
  • Capital: net worth / assets of 17.85%, up 139 bps from a year ago.
  • Funding: loans stand at 39.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.60%+59 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+26 bps YoY

Efficiency Ratio (YTD, annualized)

64.14%-966 bps YoY

Net Worth / Assets

17.85%+139 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.12%1.19%1.45%1.60%+59 bps
Return on Equity6.18%6.62%6.88%8.25%8.98%+281 bps
Net Interest Margin3.43%3.53%3.54%3.69%3.69%+26 bps
Efficiency Ratio73.80%71.27%70.06%64.35%64.14%-966 bps
Growth
Asset Growth (YoY)-2.68%-2.50%-1.28%-1.94%-0.14%+254 bps
Loan Growth (YoY)-4.59%-6.96%-12.81%-2.78%-3.59%+100 bps
Share Growth (YoY)-4.57%-4.32%-2.73%-4.39%-2.32%+225 bps
Asset Quality
Delinquent Loans / Loans0.43%0.87%0.87%0.67%0.66%+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 Capital16.46%16.99%17.28%17.55%17.85%+139 bps
Net Worth / Assets16.46%16.99%17.28%17.55%17.85%+139 bps
Liquidity & Funding
Loans / Shares40.25%39.00%38.29%41.76%39.73%-52 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps