PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tex Mex

Laredo, TX · Charter 67579

NCUA · 1 branch

Q2 2026

$8.4MAssets
$4.3MLoans
$6.4MShares
$2.0MNet 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 -0.17%, up 1,079 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 2.49% of loans (-243 bps YoY).
  • Capital: net worth / assets of 23.94%, up 30 bps from a year ago.
  • Funding: loans stand at 67.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.17%+1,079 bps YoY

Net Interest Margin (YTD, annualized)

5.10%-139 bps YoY

Efficiency Ratio (YTD, annualized)

116.81%+1,443 bps YoY

Net Worth / Assets

23.94%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-10.95%-7.84%-6.70%-1.42%-0.17%+1,079 bps
Return on Equity-46.34%-31.76%-27.23%-6.10%-0.69%+4,565 bps
Net Interest Margin6.50%6.15%6.10%5.06%5.10%-139 bps
Efficiency Ratio102.38%106.86%105.62%117.97%116.81%+1,443 bps
Growth
Asset Growth (YoY)-10.14%-11.51%-13.75%-7.10%-4.18%+596 bps
Loan Growth (YoY)-12.74%-18.26%-19.56%-20.58%-21.85%-911 bps
Share Growth (YoY)-12.88%-3.04%-4.47%-1.28%2.60%+1,548 bps
Asset Quality
Delinquent Loans / Loans4.92%2.76%1.57%1.25%2.49%-243 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 Capital23.64%24.69%24.63%23.33%23.94%+30 bps
Net Worth / Assets23.64%24.69%24.63%23.33%23.94%+30 bps
Liquidity & Funding
Loans / Shares88.47%79.47%75.61%69.89%67.38%-2,108 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps