PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Investex

Humble, TX · Charter 97112

NCUA · 6 branches

Q2 2026

$245.4MAssets
$132.1MLoans
$228.6MShares
$27.9MNet 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 0.26%, up 12 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.47% of loans (-48 bps YoY).
  • Capital: net worth / assets of 11.39%, up 8 bps from a year ago.
  • Funding: loans stand at 57.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.26%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+17 bps YoY

Efficiency Ratio (YTD, annualized)

81.26%-571 bps YoY

Net Worth / Assets

11.39%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.21%0.27%0.16%0.26%+12 bps
Return on Equity1.21%1.81%2.36%1.44%2.25%+103 bps
Net Interest Margin2.80%2.88%2.91%2.96%2.98%+17 bps
Efficiency Ratio86.97%84.35%82.62%82.58%81.26%-571 bps
Growth
Asset Growth (YoY)2.45%1.54%1.67%0.56%2.26%-19 bps
Loan Growth (YoY)-0.19%0.13%-0.10%-1.32%1.98%+217 bps
Share Growth (YoY)0.99%1.16%-0.20%-0.82%1.52%+53 bps
Asset Quality
Delinquent Loans / Loans0.96%0.78%0.68%0.64%0.47%-48 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 Capital11.31%11.44%11.53%11.31%11.39%+8 bps
Net Worth / Assets11.31%11.44%11.53%11.31%11.39%+8 bps
Liquidity & Funding
Loans / Shares57.51%57.61%57.75%56.07%57.77%+26 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps