PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cen Tex Manufacturing

Brownwood, TX · Charter 67602

NCUA · 1 branch

Q2 2026

$15.0MAssets
$8.7MLoans
$11.5MShares
$3.4MNet 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 0.86%, down 11 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 2.20% of loans (-29 bps YoY).
  • Capital: net worth / assets of 22.37%, up 171 bps from a year ago.
  • Funding: loans stand at 75.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%-11 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+36 bps YoY

Efficiency Ratio (YTD, annualized)

74.00%+210 bps YoY

Net Worth / Assets

22.37%+171 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.04%1.23%0.81%0.86%-11 bps
Return on Equity4.71%5.12%5.84%3.77%3.86%-85 bps
Net Interest Margin4.39%4.38%4.57%4.62%4.75%+36 bps
Efficiency Ratio71.90%70.39%68.50%67.30%74.00%+210 bps
Growth
Asset Growth (YoY)13.41%17.96%11.28%4.03%-2.52%-1,593 bps
Loan Growth (YoY)-0.06%-4.11%-5.62%-9.12%-8.03%-797 bps
Share Growth (YoY)15.86%21.93%12.75%3.56%-4.63%-2,049 bps
Asset Quality
Delinquent Loans / Loans2.49%1.39%1.41%1.58%2.20%-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 Capital20.67%20.29%21.08%21.47%22.37%+171 bps
Net Worth / Assets20.67%20.29%21.08%21.47%22.37%+171 bps
Liquidity & Funding
Loans / Shares78.66%72.48%73.92%71.74%75.86%-280 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps