PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Educators

Waco, TX · Charter 67611

NCUA · 8 branches

Q2 2026

$609.5MAssets
$137.7MLoans
$484.8MShares
$123.9MNet 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 2.30%, up 45 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.17% of loans (+4 bps YoY).
  • Capital: net worth / assets of 20.32%, up 129 bps from a year ago.
  • Funding: loans stand at 28.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.30%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+34 bps YoY

Efficiency Ratio (YTD, annualized)

34.74%-707 bps YoY

Net Worth / Assets

20.32%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.95%2.00%2.21%2.30%+45 bps
Return on Equity9.70%10.02%10.16%11.12%11.32%+162 bps
Net Interest Margin2.85%2.92%2.93%3.15%3.18%+34 bps
Efficiency Ratio41.80%40.09%38.59%36.90%34.74%-707 bps
Growth
Asset Growth (YoY)4.83%6.76%7.98%5.92%5.16%+33 bps
Loan Growth (YoY)-6.81%-5.93%-3.35%-4.90%-7.91%-110 bps
Share Growth (YoY)3.64%5.83%7.22%4.57%3.47%-17 bps
Asset Quality
Delinquent Loans / Loans0.13%0.12%0.17%0.17%0.17%+4 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 Capital19.04%19.48%19.70%19.90%20.32%+129 bps
Net Worth / Assets19.04%19.48%19.70%19.90%20.32%+129 bps
Liquidity & Funding
Loans / Shares31.92%31.49%30.91%29.62%28.41%-351 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps