PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fivepoint

Nederland, TX · Charter 68643

NCUA · 9 branches

Q2 2026

$1.1BAssets
$889.0MLoans
$1.0BShares
$98.1MNet 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 0.45%, down 33 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.76% of loans (+28 bps YoY).
  • Capital: net worth / assets of 8.78%, down 39 bps from a year ago.
  • Funding: loans stand at 88.54% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.45%-33 bps YoY

Net Interest Margin (quarter, annualized)

3.66%+10 bps YoY

Efficiency Ratio (quarter, annualized)

77.97%+200 bps YoY

Net Worth / Assets

8.78%-39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.65%0.77%0.00%0.45%-33 bps
Return on Equity8.52%7.26%8.58%-0.05%5.15%-337 bps
Net Interest Margin3.56%3.52%3.51%3.54%3.66%+10 bps
Efficiency Ratio75.97%77.45%74.58%82.85%77.97%+200 bps
Growth
Asset Growth (YoY)8.72%11.18%12.55%9.31%6.67%-205 bps
Loan Growth (YoY)7.88%11.16%11.44%10.62%9.13%+125 bps
Share Growth (YoY)9.82%11.10%11.88%9.09%7.16%-266 bps
Asset Quality
Delinquent Loans / Loans0.47%0.72%0.76%0.62%0.76%+28 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 Capital9.17%9.00%8.99%8.90%8.78%-39 bps
Net Worth / Assets9.17%9.00%8.99%8.90%8.78%-39 bps
Liquidity & Funding
Loans / Shares86.95%87.83%86.64%86.20%88.54%+159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps