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My Community

Midland, TX · Charter 68682

NCUA · 7 branches

Q2 2026

$555.3MAssets
$458.5MLoans
$492.0MShares
$57.1MNet 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 0.27%, down 46 bps year over year; NIM at 5.22%.
  • Asset quality: problem loans at 1.24% of loans (+17 bps YoY).
  • Capital: net worth / assets of 10.29%, down 4 bps from a year ago.
  • Funding: loans stand at 93.18% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.27%-46 bps YoY

Net Interest Margin (quarter, annualized)

5.22%+21 bps YoY

Efficiency Ratio (quarter, annualized)

80.47%-152 bps YoY

Net Worth / Assets

10.29%-4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.82%0.73%0.25%0.27%-46 bps
Return on Equity7.10%7.78%6.93%2.43%2.63%-447 bps
Net Interest Margin5.02%5.10%5.12%5.03%5.22%+21 bps
Efficiency Ratio81.98%80.56%81.56%81.42%80.47%-152 bps
Growth
Asset Growth (YoY)9.18%6.28%7.27%9.80%3.31%-587 bps
Loan Growth (YoY)8.43%7.69%3.46%9.43%4.82%-361 bps
Share Growth (YoY)9.67%6.27%7.00%9.94%2.93%-674 bps
Asset Quality
Delinquent Loans / Loans1.06%1.34%1.57%1.27%1.24%+17 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 Capital10.33%10.57%10.51%10.14%10.29%-4 bps
Net Worth / Assets10.33%10.57%10.51%10.14%10.29%-4 bps
Liquidity & Funding
Loans / Shares91.51%90.21%90.41%90.04%93.18%+168 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps