PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jafari No-Interest

Houston, TX · Charter 68675

NCUA · 3 branches

Q2 2026

$2.7MAssets
$1.2MLoans
$2.2MShares
$576KNet 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 2.38%, down 8 bps year over year; NIM at 1.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.03%, up 83 bps from a year ago.
  • Funding: loans stand at 57.15% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.38%-8 bps YoY

Net Interest Margin (quarter, annualized)

1.72%-26 bps YoY

Efficiency Ratio (quarter, annualized)

37.11%+469 bps YoY

Net Worth / Assets

21.03%+83 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.46%2.01%1.49%1.58%2.38%-8 bps
Return on Equity12.20%9.79%7.55%7.88%11.33%-87 bps
Net Interest Margin1.98%1.97%1.84%1.69%1.72%-26 bps
Efficiency Ratio32.42%33.95%39.53%45.72%37.11%+469 bps
Growth
Asset Growth (YoY)6.43%6.50%10.60%9.04%4.77%-166 bps
Loan Growth (YoY)17.66%13.74%12.29%12.80%7.80%-985 bps
Share Growth (YoY)5.96%6.20%10.81%8.89%3.68%-227 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 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 Capital20.20%20.49%19.77%20.09%21.03%+83 bps
Net Worth / Assets20.20%20.49%19.77%20.09%21.03%+83 bps
Liquidity & Funding
Loans / Shares54.97%63.42%57.94%60.77%57.15%+218 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps