Palestine, TX · Charter 9880
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 1.30% | 1.70% | 1.94% | 1.73% | -4 bps | |
| Return on Equity | 10.55% | 7.61% | 10.14% | 11.55% | 10.06% | -49 bps | |
| Net Interest Margin | 4.36% | 4.29% | 4.08% | 3.88% | 3.91% | -45 bps | |
| Efficiency Ratio | 55.26% | 64.82% | 56.23% | 56.56% | 59.35% | +409 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.48% | 5.71% | 8.51% | 8.13% | 8.05% | +458 bps | |
| Loan Growth (YoY) | 5.60% | 13.66% | 7.32% | 5.51% | 11.50% | +590 bps | |
| Share Growth (YoY) | 1.79% | 4.38% | 7.53% | 7.93% | 7.68% | +589 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.75% | 1.10% | 2.25% | 2.32% | +147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.80% | 17.03% | 16.73% | 16.81% | 17.24% | +44 bps | |
| Net Worth / Assets | 16.80% | 17.03% | 16.73% | 16.81% | 17.24% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.79% | 40.13% | 37.86% | 38.22% | 40.16% | +137 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |