PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Corpus Christi Postal Employees

Corpus Christi, TX · Charter 67963

NCUA · 1 branch

Q2 2026

$17.1MAssets
$8.7MLoans
$14.1MShares
$3.5MNet 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 1.53%, down 27 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.00% of loans (-11 bps YoY).
  • Capital: net worth / assets of 20.25%, down 7 bps from a year ago.
  • Funding: loans stand at 61.94% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.53%-27 bps YoY

Net Interest Margin (quarter, annualized)

4.74%-41 bps YoY

Efficiency Ratio (quarter, annualized)

73.58%+245 bps YoY

Net Worth / Assets

20.25%-7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.90%1.50%1.16%1.53%-27 bps
Return on Equity8.89%9.38%7.45%5.68%7.57%-133 bps
Net Interest Margin5.15%5.00%4.99%4.89%4.74%-41 bps
Efficiency Ratio71.13%68.82%76.83%80.55%73.58%+245 bps
Growth
Asset Growth (YoY)4.94%7.12%5.00%0.74%7.01%+206 bps
Loan Growth (YoY)2.08%2.56%0.50%0.93%0.69%-139 bps
Share Growth (YoY)3.64%5.13%3.77%-0.38%6.50%+286 bps
Asset Quality
Delinquent Loans / Loans0.11%0.00%0.05%0.00%0.00%-11 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 Capital20.32%20.28%20.17%20.45%20.25%-7 bps
Net Worth / Assets20.32%20.28%20.17%20.45%20.25%-7 bps
Liquidity & Funding
Loans / Shares65.52%65.01%64.59%64.56%61.94%-358 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps