PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Trinity Valley Teachers

Palestine, TX · Charter 67634

NCUA · 1 branch

Q2 2026

$31.6MAssets
$5.7MLoans
$21.6MShares
$9.9MNet Worth

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.

Return on Assets (quarter, annualized)

1.55%-26 bps YoY

Net Interest Margin (quarter, annualized)

3.89%-17 bps YoY

Efficiency Ratio (quarter, annualized)

58.53%+471 bps YoY

Net Worth / Assets

31.33%+197 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.67%1.75%1.81%1.89%1.86%1.59%1.55%-26 bps
Return on Equity5.55%5.68%5.91%6.15%6.25%6.08%5.21%4.95%-121 bps
Net Interest Margin3.65%3.82%4.10%4.06%4.16%4.13%3.89%3.89%-17 bps
Efficiency Ratio57.05%56.26%56.01%53.82%54.35%54.94%57.69%58.53%+471 bps
Growth
Asset Growth (YoY)-0.95%-0.86%-0.35%3.12%0.81%2.65%3.39%-0.95%-407 bps
Loan Growth (YoY)4.61%-1.68%-2.68%-5.03%-6.31%-6.07%-9.90%-13.21%-818 bps
Share Growth (YoY)-2.85%-3.43%-2.94%1.70%-1.31%0.90%2.16%-3.76%-546 bps
Asset Quality
Delinquent Loans / Loans0.19%0.30%0.38%1.25%0.40%0.69%0.72%0.59%-66 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital28.56%29.46%29.63%29.36%30.17%30.53%30.44%31.33%+197 bps
Net Worth / Assets28.56%29.46%29.63%29.36%30.17%30.53%30.44%31.33%+197 bps
Liquidity & Funding
Loans / Shares30.32%30.83%30.10%29.28%28.79%28.70%26.55%26.40%-288 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps