PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lone Star

Dallas, TX · Charter 68449

NCUA · 4 branches

Q2 2026

$188.3MAssets
$122.2MLoans
$169.8MShares
$16.8MNet 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 0.49%, up 23 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.25% of loans (-16 bps YoY).
  • Capital: net worth / assets of 8.93%, up 26 bps from a year ago.
  • Funding: loans stand at 71.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+13 bps YoY

Efficiency Ratio (YTD, annualized)

83.70%-434 bps YoY

Net Worth / Assets

8.93%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.23%0.22%0.25%0.49%+23 bps
Return on Equity2.93%2.65%2.54%2.92%5.44%+251 bps
Net Interest Margin3.43%3.43%3.50%3.47%3.56%+13 bps
Efficiency Ratio88.04%87.11%85.55%86.34%83.70%-434 bps
Growth
Asset Growth (YoY)8.08%12.59%6.14%0.76%0.41%-767 bps
Loan Growth (YoY)0.67%0.66%1.05%-1.09%-1.77%-244 bps
Share Growth (YoY)6.88%11.46%6.20%0.40%0.21%-667 bps
Asset Quality
Delinquent Loans / Loans0.41%0.34%0.57%0.20%0.25%-16 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 Capital8.66%8.59%8.64%8.68%8.93%+26 bps
Net Worth / Assets8.66%8.59%8.64%8.68%8.93%+26 bps
Liquidity & Funding
Loans / Shares73.43%71.58%73.67%71.39%71.98%-145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps