PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Golden Triangle

Groves, TX · Charter 8298

NCUA · 1 branch

Q2 2026

$37.9MAssets
$14.9MLoans
$30.6MShares
$7.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.05%, down 141 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.63% of loans (+24 bps YoY).
  • Capital: net worth / assets of 18.61%, up 29 bps from a year ago.
  • Funding: loans stand at 48.77% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.05%-141 bps YoY

Net Interest Margin (quarter, annualized)

4.07%+2 bps YoY

Efficiency Ratio (quarter, annualized)

93.37%+2,078 bps YoY

Net Worth / Assets

18.61%+29 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.32%1.56%1.46%1.34%1.07%0.38%0.05%-141 bps
Return on Equity6.54%6.95%8.45%7.97%7.08%5.85%2.09%0.27%-770 bps
Net Interest Margin4.07%4.14%3.97%4.05%4.21%4.08%4.05%4.07%+2 bps
Efficiency Ratio75.62%73.95%73.11%72.59%73.93%78.00%89.40%93.37%+2,078 bps
Growth
Asset Growth (YoY)-2.62%-0.48%2.86%5.30%5.04%9.19%4.78%0.34%-496 bps
Loan Growth (YoY)-6.44%-5.69%-9.10%-8.21%-8.69%-6.94%-6.04%-5.73%+248 bps
Share Growth (YoY)-4.69%-2.00%2.19%4.77%4.88%9.50%4.00%-0.69%-546 bps
Asset Quality
Delinquent Loans / Loans0.42%0.19%0.43%0.39%0.08%0.52%0.42%0.63%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.48%18.93%18.42%18.32%18.95%18.38%18.34%18.61%+29 bps
Net Worth / Assets18.48%18.93%18.42%18.32%18.95%18.38%18.34%18.61%+29 bps
Liquidity & Funding
Loans / Shares58.69%58.44%52.32%51.38%51.09%49.66%47.26%48.77%-261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps