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Mountain Star

El Paso, TX · Charter 856

NCUA · 2 branches

Q2 2026

$46.5MAssets
$29.3MLoans
$35.5MShares
$8.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.09%, down 308 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.70% of loans (+53 bps YoY).
  • Capital: net worth / assets of 18.45%, up 239 bps from a year ago.
  • Funding: loans stand at 82.63% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.09%-308 bps YoY

Net Interest Margin (YTD, annualized)

4.70%+11 bps YoY

Efficiency Ratio (YTD, annualized)

67.75%+2,053 bps YoY

Net Worth / Assets

18.45%+239 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.38%2.60%2.34%4.17%5.41%4.52%9.20%1.09%-308 bps
Return on Equity17.25%17.25%16.14%25.95%30.02%24.72%51.15%5.88%-2,007 bps
Net Interest Margin4.69%4.87%4.43%4.59%4.70%4.69%4.72%4.70%+11 bps
Efficiency Ratio56.42%56.60%58.76%47.22%41.17%46.47%-70.63%67.75%+2,053 bps
Growth
Asset Growth (YoY)10.84%-0.45%4.49%6.28%4.20%9.51%3.58%3.66%-262 bps
Loan Growth (YoY)27.05%22.60%24.83%21.02%20.68%26.13%17.71%7.11%-1,391 bps
Share Growth (YoY)0.68%-3.12%-0.08%2.51%0.55%6.82%3.12%3.58%+107 bps
Asset Quality
Delinquent Loans / Loans0.81%0.63%0.39%0.17%0.59%0.56%0.39%0.70%+53 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 Capital13.82%15.07%14.53%16.06%18.01%18.28%18.00%18.45%+239 bps
Net Worth / Assets13.82%15.07%14.53%16.06%18.01%18.28%18.00%18.45%+239 bps
Liquidity & Funding
Loans / Shares69.38%73.97%74.53%79.91%83.26%87.33%85.07%82.63%+272 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps