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Unity One

Fort Worth, TX · Charter 68589

NCUA · 7 branches

Q2 2026

$275.9MAssets
$161.6MLoans
$260.0MShares
$23.1MNet 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 -0.41%, down 26 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.98% of loans (+32 bps YoY).
  • Capital: net worth / assets of 8.39%, down 9 bps from a year ago.
  • Funding: loans stand at 62.16% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.41%-26 bps YoY

Net Interest Margin (quarter, annualized)

3.81%+20 bps YoY

Efficiency Ratio (quarter, annualized)

96.51%+565 bps YoY

Net Worth / Assets

8.39%-9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.15%-0.20%-0.20%-0.29%-0.41%-26 bps
Return on Equity-1.73%-2.33%-2.30%-3.51%-4.85%-313 bps
Net Interest Margin3.61%3.78%3.88%3.73%3.81%+20 bps
Efficiency Ratio90.85%92.11%91.35%95.53%96.51%+565 bps
Growth
Asset Growth (YoY)-0.58%-6.50%-6.47%-6.52%-4.87%-428 bps
Loan Growth (YoY)-9.15%-9.87%-10.64%-9.82%-5.79%+335 bps
Share Growth (YoY)-1.15%-6.65%-7.80%-7.19%-5.42%-428 bps
Asset Quality
Delinquent Loans / Loans0.65%0.58%0.90%0.70%0.98%+32 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 Capital8.48%8.78%8.74%8.39%8.39%-9 bps
Net Worth / Assets8.48%8.78%8.74%8.39%8.39%-9 bps
Liquidity & Funding
Loans / Shares62.41%64.30%64.29%60.19%62.16%-24 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps