PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Worth

Bedford, TX · Charter 68471

NCUA · 10 branches

Q2 2026

$1.3BAssets
$624.4MLoans
$1.1BShares
$138.6MNet 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 0.55%, down 32 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.62% of loans (-5 bps YoY).
  • Capital: net worth / assets of 10.81%, up 57 bps from a year ago.
  • Funding: loans stand at 55.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+2 bps YoY

Efficiency Ratio (YTD, annualized)

75.56%+730 bps YoY

Net Worth / Assets

10.81%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.81%0.80%0.56%0.55%-32 bps
Return on Equity8.55%7.83%7.63%5.29%5.12%-343 bps
Net Interest Margin2.94%2.95%2.95%2.86%2.96%+2 bps
Efficiency Ratio68.26%69.14%69.14%74.38%75.56%+730 bps
Growth
Asset Growth (YoY)5.50%6.78%5.07%3.02%0.56%-494 bps
Loan Growth (YoY)-6.40%-6.64%-5.37%-5.84%-2.70%+370 bps
Share Growth (YoY)5.19%6.52%4.77%2.46%-0.15%-534 bps
Asset Quality
Delinquent Loans / Loans0.67%0.80%0.64%0.63%0.62%-5 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 Capital10.24%10.38%10.49%10.55%10.81%+57 bps
Net Worth / Assets10.24%10.38%10.49%10.55%10.81%+57 bps
Liquidity & Funding
Loans / Shares56.61%54.92%54.04%52.96%55.17%-145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps