PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Eastex

Evadale, TX · Charter 97098

NCUA · 5 branches

Q2 2026

$131.7MAssets
$65.6MLoans
$115.6MShares
$15.2MNet 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 1.10%, up 35 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.16% of loans (+2 bps YoY).
  • Capital: net worth / assets of 11.54%, up 45 bps from a year ago.
  • Funding: loans stand at 56.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+2 bps YoY

Efficiency Ratio (YTD, annualized)

76.24%+15 bps YoY

Net Worth / Assets

11.54%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.94%1.07%1.05%1.10%+35 bps
Return on Equity6.71%8.26%9.36%9.35%9.52%+281 bps
Net Interest Margin3.86%3.94%3.89%3.79%3.88%+2 bps
Efficiency Ratio76.09%75.35%74.55%76.09%76.24%+15 bps
Growth
Asset Growth (YoY)4.11%5.50%6.54%8.14%7.30%+319 bps
Loan Growth (YoY)-6.24%-6.02%-2.84%-1.72%2.62%+886 bps
Share Growth (YoY)3.68%4.93%6.36%7.52%6.71%+303 bps
Asset Quality
Delinquent Loans / Loans0.14%0.18%0.12%0.24%0.16%+2 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 Capital11.09%11.43%11.47%11.19%11.54%+45 bps
Net Worth / Assets11.09%11.43%11.47%11.19%11.54%+45 bps
Liquidity & Funding
Loans / Shares59.00%58.54%57.98%54.06%56.74%-226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps