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Beaumont Community

Beaumont, TX · Charter 67574

NCUA · 1 branch

Q2 2026

$35.8MAssets
$11.9MLoans
$30.6MShares
$4.9MNet 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 0.18%, down 77 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.00% of loans (-46 bps YoY).
  • Capital: net worth / assets of 13.69%, down 69 bps from a year ago.
  • Funding: loans stand at 38.69% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.18%-77 bps YoY

Net Interest Margin (quarter, annualized)

2.47%-67 bps YoY

Efficiency Ratio (quarter, annualized)

95.62%+1,535 bps YoY

Net Worth / Assets

13.69%-69 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.91%0.73%0.12%0.18%-77 bps
Return on Equity6.59%6.16%5.13%0.86%1.28%-531 bps
Net Interest Margin3.14%3.16%2.94%2.41%2.47%-67 bps
Efficiency Ratio80.27%81.36%84.05%97.11%95.62%+1,535 bps
Growth
Asset Growth (YoY)7.84%9.23%10.85%8.36%5.75%-209 bps
Loan Growth (YoY)-0.40%-2.14%-4.71%-4.90%-4.59%-419 bps
Share Growth (YoY)6.70%10.56%11.12%9.83%7.62%+92 bps
Asset Quality
Delinquent Loans / Loans0.47%0.67%0.38%0.20%0.00%-46 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 Capital14.38%14.71%14.27%13.52%13.69%-69 bps
Net Worth / Assets14.38%14.71%14.27%13.52%13.69%-69 bps
Liquidity & Funding
Loans / Shares43.65%44.63%42.10%38.49%38.69%-495 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps