Edna, TX · Charter 10324
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 | 1.09% | 1.06% | 0.98% | 0.66% | 0.75% | -34 bps | |
| Return on Equity | 11.74% | 11.72% | 10.46% | 7.08% | 7.77% | -397 bps | |
| Net Interest Margin | 3.94% | 3.78% | 3.84% | 3.63% | 3.77% | -17 bps | |
| Efficiency Ratio | 74.57% | 74.09% | 76.55% | 83.30% | 80.83% | +626 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.24% | 2.32% | 4.28% | 7.69% | 4.64% | +888 bps | |
| Loan Growth (YoY) | 1.09% | -2.25% | -1.76% | -3.63% | -6.24% | -733 bps | |
| Share Growth (YoY) | -5.71% | 1.28% | 3.46% | 7.34% | 4.06% | +977 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.07% | 0.07% | 0.00% | 0 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 | 9.26% | 9.08% | 9.36% | 9.29% | 9.68% | +42 bps | |
| Net Worth / Assets | 9.26% | 9.08% | 9.36% | 9.29% | 9.68% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.74% | 75.19% | 74.44% | 70.65% | 71.85% | -789 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |