PackageTrendsPeer
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Genco

Waco, TX · Charter 8585

NCUA · 5 branches

Q2 2026

$494.7MAssets
$238.5MLoans
$421.9MShares
$70.6MNet 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 1.95%, up 33 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.19% of loans (-3 bps YoY).
  • Capital: net worth / assets of 14.26%, up 101 bps from a year ago.
  • Funding: loans stand at 56.54% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.95%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.41%+5 bps YoY

Efficiency Ratio (quarter, annualized)

60.56%-307 bps YoY

Net Worth / Assets

14.26%+101 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.56%1.55%1.80%1.95%+33 bps
Return on Equity12.27%11.61%11.32%13.00%13.68%+141 bps
Net Interest Margin3.36%3.38%3.40%3.37%3.41%+5 bps
Efficiency Ratio63.63%63.07%62.99%63.05%60.56%-307 bps
Growth
Asset Growth (YoY)6.86%7.12%6.50%5.60%5.47%-139 bps
Loan Growth (YoY)-0.51%0.66%3.59%3.75%5.99%+651 bps
Share Growth (YoY)5.30%6.29%5.57%4.46%4.36%-94 bps
Asset Quality
Delinquent Loans / Loans0.22%0.22%0.37%0.28%0.19%-3 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 Capital13.25%13.44%13.68%13.84%14.26%+101 bps
Net Worth / Assets13.25%13.44%13.68%13.84%14.26%+101 bps
Liquidity & Funding
Loans / Shares55.68%54.47%56.57%54.46%56.54%+87 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps