PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tyler City Employees

Tyler, TX · Charter 67638

NCUA · 1 branch

Q2 2026

$28.4MAssets
$16.8MLoans
$23.8MShares
$4.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.01%, down 12 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 1.04% of loans (-66 bps YoY).
  • Capital: net worth / assets of 16.01%, up 62 bps from a year ago.
  • Funding: loans stand at 70.37% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.01%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+23 bps YoY

Efficiency Ratio (YTD, annualized)

86.25%+33 bps YoY

Net Worth / Assets

16.01%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.39%0.57%0.11%0.29%0.14%-0.86%-0.01%-12 bps
Return on Equity4.95%2.44%3.74%0.72%1.86%0.85%-5.45%-0.05%-77 bps
Net Interest Margin4.43%3.99%4.03%4.04%4.15%4.29%4.26%4.27%+23 bps
Efficiency Ratio74.54%81.07%81.24%85.92%82.53%85.08%87.89%86.25%+33 bps
Growth
Asset Growth (YoY)-0.05%4.74%7.21%7.01%6.42%-0.27%-4.80%-3.43%-1,044 bps
Loan Growth (YoY)-1.98%-7.16%-11.76%-12.38%-14.84%-15.50%-12.21%-4.43%+795 bps
Share Growth (YoY)0.28%5.73%8.17%8.13%7.64%0.32%-5.31%-3.97%-1,210 bps
Asset Quality
Delinquent Loans / Loans0.86%1.27%1.92%1.70%1.38%1.61%0.95%1.04%-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 Capital16.65%15.95%15.32%15.39%15.66%16.13%15.86%16.01%+62 bps
Net Worth / Assets16.65%15.95%15.32%15.39%15.66%16.13%15.86%16.01%+62 bps
Liquidity & Funding
Loans / Shares86.03%79.29%71.72%70.71%68.07%66.79%66.49%70.37%-34 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps