PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Membersource

Houston, TX · Charter 68440

NCUA · 5 branches

Q2 2026

$196.5MAssets
$143.7MLoans
$171.4MShares
$24.5MNet 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 0.14%, down 110 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.40% of loans (-18 bps YoY).
  • Capital: net worth / assets of 12.45%, up 40 bps from a year ago.
  • Funding: loans stand at 83.85% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.14%-110 bps YoY

Net Interest Margin (quarter, annualized)

4.20%+35 bps YoY

Efficiency Ratio (quarter, annualized)

86.69%+1,109 bps YoY

Net Worth / Assets

12.45%+40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%0.70%0.49%-0.02%0.14%-110 bps
Return on Equity10.23%5.80%4.01%-0.19%1.09%-914 bps
Net Interest Margin3.86%3.93%3.96%3.99%4.20%+35 bps
Efficiency Ratio75.60%79.65%82.28%90.86%86.69%+1,109 bps
Growth
Asset Growth (YoY)-1.82%8.81%11.37%11.39%-4.04%-221 bps
Loan Growth (YoY)0.81%2.44%6.17%10.75%0.33%-48 bps
Share Growth (YoY)4.72%7.79%10.65%10.72%-4.32%-903 bps
Asset Quality
Delinquent Loans / Loans0.57%0.46%0.56%0.45%0.40%-18 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 Capital12.05%12.11%12.13%11.84%12.45%+40 bps
Net Worth / Assets12.05%12.11%12.13%11.84%12.45%+40 bps
Liquidity & Funding
Loans / Shares79.96%79.12%80.01%78.56%83.85%+388 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps