PackageTrendsPeer
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Kraftman

Bastrop, LA · Charter 8530

NCUA · 2 branches

Q2 2026

$141.8MAssets
$47.2MLoans
$125.7MShares
$20.7MNet 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 0.41%, up 3 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.97% of loans (+19 bps YoY).
  • Capital: net worth / assets of 14.60%, down 79 bps from a year ago.
  • Funding: loans stand at 37.57% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+10 bps YoY

Efficiency Ratio (YTD, annualized)

85.65%-32 bps YoY

Net Worth / Assets

14.60%-79 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.37%0.36%0.42%0.41%+3 bps
Return on Equity2.46%2.44%2.40%2.87%2.80%+35 bps
Net Interest Margin2.41%2.42%2.40%2.45%2.52%+10 bps
Efficiency Ratio85.97%85.10%86.00%85.61%85.65%-32 bps
Growth
Asset Growth (YoY)6.64%5.39%8.58%8.70%8.20%+156 bps
Loan Growth (YoY)10.32%6.65%4.47%-2.11%-1.23%-1,155 bps
Share Growth (YoY)5.67%4.82%6.32%8.48%8.37%+270 bps
Asset Quality
Delinquent Loans / Loans0.78%0.54%0.52%0.66%0.97%+19 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 Capital15.39%15.27%15.03%14.48%14.60%-79 bps
Net Worth / Assets15.39%15.27%15.03%14.48%14.60%-79 bps
Liquidity & Funding
Loans / Shares41.22%41.14%40.21%36.59%37.57%-365 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps