PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Service

Huntsville, TX · Charter 67974

NCUA · 2 branches

Q2 2026

$163.8MAssets
$124.4MLoans
$146.5MShares
$15.5MNet 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 0.44%, down 24 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.82% of loans (-20 bps YoY).
  • Capital: net worth / assets of 9.45%, up 13 bps from a year ago.
  • Funding: loans stand at 84.95% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.44%-24 bps YoY

Net Interest Margin (YTD, annualized)

4.55%+40 bps YoY

Efficiency Ratio (YTD, annualized)

80.91%-32 bps YoY

Net Worth / Assets

9.45%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.66%0.54%0.05%0.44%-24 bps
Return on Equity7.36%7.08%5.84%0.58%4.69%-267 bps
Net Interest Margin4.15%4.14%4.16%4.54%4.55%+40 bps
Efficiency Ratio81.23%81.08%79.29%83.06%80.91%-32 bps
Growth
Asset Growth (YoY)2.41%2.78%8.61%4.52%3.31%+90 bps
Loan Growth (YoY)7.77%13.07%16.61%13.93%9.56%+179 bps
Share Growth (YoY)11.00%9.36%9.00%4.35%4.40%-660 bps
Asset Quality
Delinquent Loans / Loans1.03%0.93%0.77%0.43%0.82%-20 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 Capital9.32%9.31%9.17%9.29%9.45%+13 bps
Net Worth / Assets9.32%9.31%9.17%9.29%9.45%+13 bps
Liquidity & Funding
Loans / Shares80.95%82.81%84.82%86.00%84.95%+400 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps