PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Freestone

Teague, TX · Charter 68005

NCUA · 3 branches

Q2 2026

$77.3MAssets
$37.9MLoans
$67.8MShares
$8.0MNet 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 0.54%, down 59 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.10% of loans (+7 bps YoY).
  • Capital: net worth / assets of 10.32%, up 19 bps from a year ago.
  • Funding: loans stand at 55.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.54%-59 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-16 bps YoY

Efficiency Ratio (YTD, annualized)

80.86%+934 bps YoY

Net Worth / Assets

10.32%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.20%1.17%0.25%0.54%-59 bps
Return on Equity11.17%11.66%11.40%2.47%5.21%-597 bps
Net Interest Margin3.04%3.06%2.98%2.75%2.88%-16 bps
Efficiency Ratio71.52%70.14%68.36%82.36%80.86%+934 bps
Growth
Asset Growth (YoY)13.10%15.13%13.50%14.69%7.33%-577 bps
Loan Growth (YoY)4.52%7.75%4.49%6.47%5.56%+104 bps
Share Growth (YoY)13.52%14.73%12.27%13.48%5.61%-791 bps
Asset Quality
Delinquent Loans / Loans0.03%0.09%0.06%0.11%0.10%+7 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 Capital10.13%10.28%10.31%10.04%10.32%+19 bps
Net Worth / Assets10.13%10.28%10.31%10.04%10.32%+19 bps
Liquidity & Funding
Loans / Shares55.93%57.20%55.29%54.88%55.90%-3 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps