PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Baptist Association

Angleton, TX · Charter 67622

NCUA · 1 branch

Q2 2026

$1.8MAssets
$992KLoans
$1.6MShares
$150KNet 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 -1.41%, down 91 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.44%, down 107 bps from a year ago.
  • Funding: loans stand at 61.07% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.41%-91 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+1 bps YoY

Efficiency Ratio (quarter, annualized)

134.25%+1,837 bps YoY

Net Worth / Assets

8.44%-107 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.50%-0.53%-0.72%-1.61%-1.41%-91 bps
Return on Equity-5.25%-5.60%-7.84%-18.22%-16.68%-1,144 bps
Net Interest Margin3.32%3.31%3.24%3.35%3.33%+1 bps
Efficiency Ratio115.88%115.77%122.53%138.54%134.25%+1,837 bps
Growth
Asset Growth (YoY)13.55%19.30%18.94%2.78%-1.07%-1,462 bps
Loan Growth (YoY)-19.88%-17.05%-13.06%4.52%-1.78%+1,810 bps
Share Growth (YoY)15.35%22.37%22.52%4.26%0.10%-1,525 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.14%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%1.05%1.05%1.03%1.00%0 bps
Capital
Risk-Based Capital9.51%9.53%9.23%8.84%8.44%-107 bps
Net Worth / Assets9.51%9.53%9.23%8.84%8.44%-107 bps
Liquidity & Funding
Loans / Shares62.24%61.78%57.96%65.01%61.07%-117 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps