Texarkana, TX · Charter 1
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.71% | -0.12% | 0.33% | 0.72% | 0.67% | 0.95% | 1.12% | +79 bps | |
| Return on Equity | 6.36% | 6.12% | -1.11% | 2.96% | 6.31% | 6.04% | 8.47% | 9.60% | +664 bps | |
| Net Interest Margin | 3.91% | 3.69% | 3.86% | 3.69% | 3.80% | 3.57% | 4.03% | 4.28% | +59 bps | |
| Efficiency Ratio | 78.34% | 79.77% | 81.45% | 80.42% | 80.12% | 81.28% | 78.52% | 72.75% | -767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | 7.12% | 12.47% | 14.72% | 11.01% | 12.49% | 6.36% | 3.74% | -1,098 bps | |
| Loan Growth (YoY) | -5.20% | -1.74% | 1.95% | 1.95% | -1.40% | -4.59% | 0.05% | 2.66% | +71 bps | |
| Share Growth (YoY) | 0.28% | 7.22% | 13.33% | 15.88% | 11.63% | 13.23% | 6.31% | 3.26% | -1,262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.89% | 0.15% | 0.54% | 0.40% | 0.69% | 0.51% | 0.45% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.93% | 11.66% | 11.16% | 11.22% | 11.42% | 11.01% | 11.21% | 11.64% | +43 bps | |
| Net Worth / Assets | 11.93% | 11.66% | 11.16% | 11.22% | 11.42% | 11.01% | 11.21% | 11.64% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.92% | 87.64% | 81.71% | 79.53% | 78.54% | 73.84% | 76.90% | 79.07% | -46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |