PackageTrendsPeer
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Eecu

Fort Worth, TX · Charter 67928

NCUA · 22 branches

Q2 2026

$4.9BAssets
$3.9BLoans
$4.2BShares
$619.0MNet 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 1.60%, up 26 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.45% of loans (+6 bps YoY).
  • Capital: net worth / assets of 12.70%, up 15 bps from a year ago.
  • Funding: loans stand at 93.09% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.60%+26 bps YoY

Net Interest Margin (quarter, annualized)

2.92%+1 bps YoY

Efficiency Ratio (quarter, annualized)

51.07%-691 bps YoY

Net Worth / Assets

12.70%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.41%1.38%1.56%1.60%+26 bps
Return on Equity10.66%11.17%10.90%12.40%12.61%+195 bps
Net Interest Margin2.92%2.90%2.93%2.91%2.92%+1 bps
Efficiency Ratio57.98%56.59%56.43%52.11%51.07%-691 bps
Growth
Asset Growth (YoY)11.74%12.82%11.50%11.42%11.56%-17 bps
Loan Growth (YoY)10.50%11.36%12.02%12.71%14.03%+353 bps
Share Growth (YoY)11.49%12.55%10.90%11.07%11.26%-22 bps
Asset Quality
Delinquent Loans / Loans0.39%0.44%0.45%0.42%0.45%+6 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 Capital12.54%12.58%12.64%12.57%12.70%+15 bps
Net Worth / Assets12.54%12.58%12.64%12.57%12.70%+15 bps
Liquidity & Funding
Loans / Shares90.84%90.96%92.91%90.92%93.09%+226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps