PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Trans Texas Southwest

San Angelo, TX · Charter 67835

NCUA · 2 branches

Q2 2026

$51.0MAssets
$34.2MLoans
$44.1MShares
$6.8MNet 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 0.67%, unchanged from a year ago; NIM at 4.35%.
  • Asset quality: problem loans at 0.54% of loans (+39 bps YoY).
  • Capital: net worth / assets of 13.33%, up 82 bps from a year ago.
  • Funding: loans stand at 77.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%0 bps YoY

Net Interest Margin (YTD, annualized)

4.35%+23 bps YoY

Efficiency Ratio (YTD, annualized)

82.47%-327 bps YoY

Net Worth / Assets

13.33%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.63%0.64%0.59%0.67%0 bps
Return on Equity5.30%5.04%5.04%4.44%5.00%-31 bps
Net Interest Margin4.12%4.11%4.20%4.33%4.35%+23 bps
Efficiency Ratio85.74%86.06%85.67%83.53%82.47%-327 bps
Growth
Asset Growth (YoY)4.41%4.27%3.48%-0.44%-1.34%-575 bps
Loan Growth (YoY)-2.36%-3.39%-1.09%-5.00%-4.54%-218 bps
Share Growth (YoY)4.31%4.21%3.26%-1.13%-2.10%-641 bps
Asset Quality
Delinquent Loans / Loans0.15%0.30%0.40%0.31%0.54%+39 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 Capital12.51%12.51%12.79%13.18%13.33%+82 bps
Net Worth / Assets12.51%12.51%12.79%13.18%13.33%+82 bps
Liquidity & Funding
Loans / Shares79.71%77.75%79.08%78.06%77.72%-199 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps