PackageTrendsPeer
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Members First

Corpus Christi, TX · Charter 67658

NCUA · 4 branches

Q2 2026

$183.2MAssets
$68.2MLoans
$137.2MShares
$44.0MNet 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 1.50%, up 21 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 1.04% of loans (+41 bps YoY).
  • Capital: net worth / assets of 24.01%, up 163 bps from a year ago.
  • Funding: loans stand at 49.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.50%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+29 bps YoY

Efficiency Ratio (YTD, annualized)

62.79%-243 bps YoY

Net Worth / Assets

24.01%+163 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.33%1.41%1.06%1.50%+21 bps
Return on Equity5.74%5.91%6.20%4.68%6.23%+48 bps
Net Interest Margin3.15%3.21%3.20%3.21%3.44%+29 bps
Efficiency Ratio65.22%64.40%63.51%67.41%62.79%-243 bps
Growth
Asset Growth (YoY)4.47%5.64%3.41%4.15%-0.36%-482 bps
Loan Growth (YoY)-6.15%-4.11%-2.69%-2.76%-3.03%+312 bps
Share Growth (YoY)3.84%4.84%1.74%2.95%-2.91%-675 bps
Asset Quality
Delinquent Loans / Loans0.63%0.54%0.68%0.76%1.04%+41 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 Capital22.39%22.56%22.81%22.62%24.01%+163 bps
Net Worth / Assets22.39%22.56%22.81%22.62%24.01%+163 bps
Liquidity & Funding
Loans / Shares49.78%49.74%49.55%47.47%49.72%-6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps