PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Neches

Port Neches, TX · Charter 7916

NCUA · 11 branches

Q2 2026

$1.2BAssets
$918.8MLoans
$1.0BShares
$180.2MNet 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 2.14%, up 40 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.20% of loans (-17 bps YoY).
  • Capital: net worth / assets of 14.66%, down 50 bps from a year ago.
  • Funding: loans stand at 88.00% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.14%+40 bps YoY

Net Interest Margin (quarter, annualized)

3.90%-3 bps YoY

Efficiency Ratio (quarter, annualized)

58.85%-664 bps YoY

Net Worth / Assets

14.66%-50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.74%1.73%1.63%2.09%2.14%+40 bps
Return on Equity11.45%11.37%10.77%14.24%14.57%+312 bps
Net Interest Margin3.93%3.94%3.89%3.75%3.90%-3 bps
Efficiency Ratio65.49%64.74%64.37%60.78%58.85%-664 bps
Growth
Asset Growth (YoY)10.61%10.18%12.10%14.03%16.37%+576 bps
Loan Growth (YoY)7.27%9.86%13.28%16.64%17.26%+999 bps
Share Growth (YoY)10.74%9.97%12.72%14.19%17.41%+667 bps
Asset Quality
Delinquent Loans / Loans0.37%0.30%0.25%0.20%0.20%-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 Capital15.15%15.24%15.18%14.65%14.66%-50 bps
Net Worth / Assets15.15%15.24%15.18%14.65%14.66%-50 bps
Liquidity & Funding
Loans / Shares88.11%89.51%89.45%87.48%88.00%-11 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps