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Randolph-Brooks

Universal City, TX · Charter 8111

NCUA · 63 branches

Q2 2026

$19.6BAssets
$12.8BLoans
$15.6BShares
$2.6BNet 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 1.47%, up 3 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 1.27% of loans (+31 bps YoY).
  • Capital: net worth / assets of 13.42%, up 79 bps from a year ago.
  • Funding: loans stand at 82.37% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.47%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.35%+28 bps YoY

Efficiency Ratio (quarter, annualized)

55.50%-28 bps YoY

Net Worth / Assets

13.42%+79 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.48%1.39%1.02%1.47%+3 bps
Return on Equity11.44%11.50%10.73%7.75%10.99%-45 bps
Net Interest Margin3.07%3.10%3.10%3.36%3.35%+28 bps
Efficiency Ratio55.78%55.47%56.69%62.43%55.50%-28 bps
Growth
Asset Growth (YoY)5.77%7.75%6.95%3.73%4.61%-116 bps
Loan Growth (YoY)3.78%3.58%3.42%2.32%1.30%-248 bps
Share Growth (YoY)5.76%5.77%6.12%5.17%5.09%-68 bps
Asset Quality
Delinquent Loans / Loans0.96%0.89%1.05%1.00%1.27%+31 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 Capital12.63%12.89%12.99%13.18%13.42%+79 bps
Net Worth / Assets12.63%12.89%12.99%13.18%13.42%+79 bps
Liquidity & Funding
Loans / Shares85.45%85.15%84.33%82.09%82.37%-308 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps