PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Resource One

Dallas, TX · Charter 68439

NCUA · 11 branches

Q2 2026

$555.2MAssets
$412.7MLoans
$495.2MShares
$57.9MNet 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 3.26%, up 291 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 2.33% of loans (+87 bps YoY).
  • Capital: net worth / assets of 10.43%, up 314 bps from a year ago.
  • Funding: loans stand at 83.35% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

3.26%+291 bps YoY

Net Interest Margin (quarter, annualized)

4.28%+38 bps YoY

Efficiency Ratio (quarter, annualized)

60.91%-1,988 bps YoY

Net Worth / Assets

10.43%+314 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.23%0.16%0.58%3.26%+291 bps
Return on Equity4.81%3.06%2.16%7.68%31.29%+2,648 bps
Net Interest Margin3.89%4.06%4.08%3.68%4.28%+38 bps
Efficiency Ratio80.80%78.75%78.74%86.83%60.91%-1,988 bps
Growth
Asset Growth (YoY)-12.92%-15.74%-13.56%-6.86%-19.92%-700 bps
Loan Growth (YoY)-13.45%-14.43%-15.50%-13.51%-21.47%-803 bps
Share Growth (YoY)-13.85%-16.71%-14.56%-7.65%-22.91%-907 bps
Asset Quality
Delinquent Loans / Loans1.46%1.89%2.11%1.56%2.33%+87 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 Capital7.28%7.61%7.45%7.61%10.43%+314 bps
Net Worth / Assets7.28%7.61%7.45%7.61%10.43%+314 bps
Liquidity & Funding
Loans / Shares81.82%82.95%80.30%79.43%83.35%+153 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps