PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sweetex

Longview, TX · Charter 67520

NCUA · 1 branch

Q2 2026

$9.4MAssets
$3.3MLoans
$5.6MShares
$3.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.20%, up 37 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 39.42%, up 168 bps from a year ago.
  • Funding: loans stand at 58.40% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.20%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.50%0 bps YoY

Efficiency Ratio (YTD, annualized)

65.24%-1,094 bps YoY

Net Worth / Assets

39.42%+168 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.33%0.67%0.84%1.19%1.22%1.28%1.20%+37 bps
Return on Equity0.73%0.86%1.75%2.22%2.96%3.09%3.25%3.06%+83 bps
Net Interest Margin2.82%2.94%3.39%3.50%3.77%3.67%3.47%3.50%0 bps
Efficiency Ratio90.48%89.03%80.48%76.18%68.71%67.03%63.45%65.24%-1,094 bps
Growth
Asset Growth (YoY)-5.33%-6.18%-5.81%-3.67%-4.48%-1.44%0.55%-0.78%+288 bps
Loan Growth (YoY)-9.00%-12.09%-6.30%-0.20%2.19%7.35%9.41%-2.94%-274 bps
Share Growth (YoY)-8.66%-10.59%-10.74%-8.61%-9.09%-5.81%-2.24%-2.01%+660 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital37.41%37.73%38.13%37.75%40.19%39.50%39.28%39.42%+168 bps
Net Worth / Assets37.41%37.73%38.13%37.75%40.19%39.50%39.28%39.42%+168 bps
Liquidity & Funding
Loans / Shares57.57%56.85%56.13%58.96%64.71%64.79%62.82%58.40%-56 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps