PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Baylor Health Care System

Dallas, TX · Charter 67544

NCUA · 1 branch

Q2 2026

$80.6MAssets
$33.3MLoans
$62.0MShares
$17.7MNet 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 0.66%, up 1 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 1.54% of loans (+41 bps YoY).
  • Capital: net worth / assets of 21.91%, down 14 bps from a year ago.
  • Funding: loans stand at 53.62% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.66%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.42%-29 bps YoY

Efficiency Ratio (quarter, annualized)

85.22%+177 bps YoY

Net Worth / Assets

21.91%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.73%0.77%0.71%0.66%+1 bps
Return on Equity2.95%3.29%3.52%3.22%3.01%+6 bps
Net Interest Margin3.71%3.82%3.70%3.33%3.42%-29 bps
Efficiency Ratio83.45%81.94%81.54%87.04%85.22%+177 bps
Growth
Asset Growth (YoY)-2.23%-1.24%1.07%-0.11%1.43%+366 bps
Loan Growth (YoY)-19.04%-20.19%-20.91%-17.70%-14.39%+465 bps
Share Growth (YoY)-4.69%-2.92%-0.38%-2.33%-0.92%+377 bps
Asset Quality
Delinquent Loans / Loans1.13%1.06%1.93%1.35%1.54%+41 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 Capital22.05%22.31%21.90%22.10%21.91%-14 bps
Net Worth / Assets22.05%22.31%21.90%22.10%21.91%-14 bps
Liquidity & Funding
Loans / Shares62.05%58.74%54.60%53.58%53.62%-843 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps