PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Matagorda County

Bay City, TX · Charter 67545

NCUA · 1 branch

Q2 2026

$36.2MAssets
$17.0MLoans
$29.9MShares
$6.3MNet 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 1.55%, down 36 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.31% of loans (+29 bps YoY).
  • Capital: net worth / assets of 17.39%, up 144 bps from a year ago.
  • Funding: loans stand at 56.99% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.55%-36 bps YoY

Net Interest Margin (quarter, annualized)

3.57%-11 bps YoY

Efficiency Ratio (quarter, annualized)

64.08%+715 bps YoY

Net Worth / Assets

17.39%+144 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.90%1.96%1.92%1.47%1.55%-36 bps
Return on Equity11.94%11.97%11.38%8.75%8.90%-303 bps
Net Interest Margin3.69%3.80%3.82%3.48%3.57%-11 bps
Efficiency Ratio56.93%56.46%57.48%64.79%64.08%+715 bps
Growth
Asset Growth (YoY)3.81%4.84%4.27%3.82%1.97%-183 bps
Loan Growth (YoY)1.29%6.80%7.43%6.65%8.17%+688 bps
Share Growth (YoY)2.02%3.27%2.78%2.19%0.76%-126 bps
Asset Quality
Delinquent Loans / Loans0.02%0.05%0.14%0.06%0.31%+29 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 Capital15.95%16.34%16.83%16.74%17.39%+144 bps
Net Worth / Assets15.95%16.34%16.83%16.74%17.39%+144 bps
Liquidity & Funding
Loans / Shares53.09%55.79%58.76%57.12%56.99%+390 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps