PackageTrendsPeer
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First Priority

Abilene, TX · Charter 67542

NCUA · 1 branch

Q2 2026

$23.0MAssets
$8.6MLoans
$20.3MShares
$2.7MNet 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 1.34%, down 13 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 1.24% of loans (+118 bps YoY).
  • Capital: net worth / assets of 11.72%, down 20 bps from a year ago.
  • Funding: loans stand at 42.56% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.34%-13 bps YoY

Net Interest Margin (quarter, annualized)

3.22%-46 bps YoY

Efficiency Ratio (quarter, annualized)

68.22%+64 bps YoY

Net Worth / Assets

11.72%-20 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.36%1.36%1.27%1.34%-13 bps
Return on Equity12.39%11.47%11.47%10.87%11.47%-92 bps
Net Interest Margin3.68%3.60%3.50%3.24%3.22%-46 bps
Efficiency Ratio67.58%69.09%68.29%73.13%68.22%+64 bps
Growth
Asset Growth (YoY)-3.31%4.84%9.04%10.62%14.01%+1,732 bps
Loan Growth (YoY)-11.16%-6.64%2.23%4.06%9.72%+2,088 bps
Share Growth (YoY)-5.40%3.76%8.08%10.51%14.47%+1,987 bps
Asset Quality
Delinquent Loans / Loans0.05%0.00%0.16%0.55%1.24%+118 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 Capital11.92%11.89%11.83%11.71%11.72%-20 bps
Net Worth / Assets11.92%11.89%11.83%11.71%11.72%-20 bps
Liquidity & Funding
Loans / Shares44.40%42.76%43.66%41.20%42.56%-184 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps