PackageTrendsPeer
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Trinity Valley Teachers

Palestine, TX · Charter 67634

NCUA · 1 branch

Q2 2026

$31.6MAssets
$5.7MLoans
$21.6MShares
$9.9MNet 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 1.55%, down 26 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.59% of loans (-66 bps YoY).
  • Capital: net worth / assets of 31.33%, up 197 bps from a year ago.
  • Funding: loans stand at 26.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-17 bps YoY

Efficiency Ratio (YTD, annualized)

58.53%+471 bps YoY

Net Worth / Assets

31.33%+197 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.89%1.86%1.59%1.55%-26 bps
Return on Equity6.15%6.25%6.08%5.21%4.95%-121 bps
Net Interest Margin4.06%4.16%4.13%3.89%3.89%-17 bps
Efficiency Ratio53.82%54.35%54.94%57.69%58.53%+471 bps
Growth
Asset Growth (YoY)3.12%0.81%2.65%3.39%-0.95%-407 bps
Loan Growth (YoY)-5.03%-6.31%-6.07%-9.90%-13.21%-818 bps
Share Growth (YoY)1.70%-1.31%0.90%2.16%-3.76%-546 bps
Asset Quality
Delinquent Loans / Loans1.25%0.40%0.69%0.72%0.59%-66 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 Capital29.36%30.17%30.53%30.44%31.33%+197 bps
Net Worth / Assets29.36%30.17%30.53%30.44%31.33%+197 bps
Liquidity & Funding
Loans / Shares29.28%28.79%28.70%26.55%26.40%-288 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps