PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City

Dallas, TX · Charter 67669

NCUA · 5 branches

Q2 2026

$629.8MAssets
$306.6MLoans
$545.2MShares
$77.3MNet 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 1.09%, up 73 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.23% of loans (-49 bps YoY).
  • Capital: net worth / assets of 12.27%, up 76 bps from a year ago.
  • Funding: loans stand at 56.23% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.09%+73 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+14 bps YoY

Efficiency Ratio (quarter, annualized)

70.09%-534 bps YoY

Net Worth / Assets

12.27%+76 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.36%0.10%0.67%1.09%+73 bps
Return on Equity3.12%3.05%0.84%5.65%8.91%+579 bps
Net Interest Margin3.39%3.47%3.59%3.51%3.53%+14 bps
Efficiency Ratio75.43%75.36%80.22%76.72%70.09%-534 bps
Growth
Asset Growth (YoY)-5.37%-1.67%-2.55%-2.08%-2.86%+251 bps
Loan Growth (YoY)-10.98%-11.94%-10.85%-11.35%-11.92%-94 bps
Share Growth (YoY)-6.30%-2.68%-1.32%-2.60%-3.76%+253 bps
Asset Quality
Delinquent Loans / Loans1.72%1.57%1.58%1.17%1.23%-49 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 Capital11.51%11.74%11.85%11.88%12.27%+76 bps
Net Worth / Assets11.51%11.74%11.85%11.88%12.27%+76 bps
Liquidity & Funding
Loans / Shares61.44%60.51%60.73%57.78%56.23%-521 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps