Tyler, TX · Charter 10481
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 | 0.47% | 0.34% | 0.25% | -0.35% | -0.14% | -61 bps | |
| Return on Equity | 3.06% | 2.21% | 1.59% | -2.37% | -0.92% | -398 bps | |
| Net Interest Margin | 2.62% | 2.68% | 2.61% | 2.44% | 2.57% | -5 bps | |
| Efficiency Ratio | 90.24% | 92.07% | 95.47% | 116.97% | 109.28% | +1,904 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.80% | -7.75% | -6.62% | -1.75% | 1.17% | +697 bps | |
| Loan Growth (YoY) | -12.77% | -17.27% | -18.66% | -16.07% | -16.90% | -413 bps | |
| Share Growth (YoY) | -7.71% | -9.17% | -7.49% | -2.06% | 1.90% | +961 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.41% | 1.09% | 1.07% | 0.28% | 0.78% | -63 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 | 15.30% | 15.57% | 15.42% | 14.88% | 15.06% | -24 bps | |
| Net Worth / Assets | 15.30% | 15.57% | 15.42% | 14.88% | 15.06% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.84% | 70.88% | 66.16% | 62.57% | 61.04% | -1,380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |