PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southern Star

Houston, TX · Charter 67660

NCUA · 1 branch

Q2 2026

$17.7MAssets
$8.6MLoans
$15.5MShares
$2.3MNet 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 -0.82%, down 71 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 1.87% of loans (-181 bps YoY).
  • Capital: net worth / assets of 13.24%, down 43 bps from a year ago.
  • Funding: loans stand at 55.53% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.82%-71 bps YoY

Net Interest Margin (quarter, annualized)

3.63%-1 bps YoY

Efficiency Ratio (quarter, annualized)

119.10%+1,643 bps YoY

Net Worth / Assets

13.24%-43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%-0.26%-0.49%-0.70%-0.82%-71 bps
Return on Equity-0.86%-1.93%-3.76%-5.26%-6.23%-537 bps
Net Interest Margin3.64%3.64%3.64%3.58%3.63%-1 bps
Efficiency Ratio102.67%103.49%108.77%114.19%119.10%+1,643 bps
Growth
Asset Growth (YoY)-3.80%0.20%-0.13%-2.62%-3.49%+31 bps
Loan Growth (YoY)-10.90%-12.17%-6.65%-10.75%-9.13%+177 bps
Share Growth (YoY)-3.37%1.27%1.98%-2.74%-2.26%+111 bps
Asset Quality
Delinquent Loans / Loans3.68%3.16%2.17%3.18%1.87%-181 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 Capital13.67%13.46%13.09%13.29%13.24%-43 bps
Net Worth / Assets13.67%13.46%13.09%13.29%13.24%-43 bps
Liquidity & Funding
Loans / Shares59.73%55.92%57.03%55.72%55.53%-420 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps