PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Scott and White Employees

Temple, TX · Charter 67612

NCUA · 1 branch

Q2 2026

$71.7MAssets
$40.6MLoans
$57.6MShares
$13.3MNet 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 2.26%, down 23 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.75% of loans (+27 bps YoY).
  • Capital: net worth / assets of 18.49%, up 214 bps from a year ago.
  • Funding: loans stand at 70.42% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.26%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.86%+4 bps YoY

Efficiency Ratio (quarter, annualized)

50.50%-12 bps YoY

Net Worth / Assets

18.49%+214 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.49%2.43%2.37%2.22%2.26%-23 bps
Return on Equity15.24%14.45%13.56%11.70%12.22%-302 bps
Net Interest Margin3.82%3.87%3.82%3.76%3.86%+4 bps
Efficiency Ratio50.62%49.77%51.19%52.92%50.50%-12 bps
Growth
Asset Growth (YoY)1.07%2.28%0.86%-1.08%1.98%+91 bps
Loan Growth (YoY)2.41%3.02%8.92%6.64%9.41%+700 bps
Share Growth (YoY)-2.81%-1.57%-3.35%0.54%-0.95%+186 bps
Asset Quality
Delinquent Loans / Loans0.49%0.92%0.35%0.30%0.75%+27 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 Capital16.36%16.85%17.46%18.94%18.49%+214 bps
Net Worth / Assets16.36%16.85%17.46%18.94%18.49%+214 bps
Liquidity & Funding
Loans / Shares63.75%63.41%67.23%65.00%70.42%+667 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps