Rusk, TX · Charter 10269
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 | 0.50% | 0.42% | 0.44% | 0.80% | -1.72% | -222 bps | |
| Return on Equity | 2.41% | 2.03% | 2.15% | 3.90% | -8.59% | -1,100 bps | |
| Net Interest Margin | 3.87% | 3.89% | 3.95% | 3.77% | 3.73% | -14 bps | |
| Efficiency Ratio | 83.37% | 81.54% | 81.87% | 82.19% | 85.01% | +164 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.69% | -7.47% | -6.57% | -5.32% | 3.28% | +1,097 bps | |
| Loan Growth (YoY) | -2.46% | -3.58% | -7.08% | -6.74% | -1.08% | +137 bps | |
| Share Growth (YoY) | -9.91% | -9.40% | -8.91% | -7.20% | 3.79% | +1,370 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.97% | 2.69% | 1.93% | 1.58% | 2.13% | +16 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 | 20.70% | 20.47% | 20.64% | 20.63% | 20.02% | -68 bps | |
| Net Worth / Assets | 20.70% | 20.47% | 20.64% | 20.63% | 20.02% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.33% | 93.90% | 92.71% | 88.34% | 89.90% | -443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |