Tyler, TX · Charter 10481
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.25% | 0.49% | 0.47% | 0.34% | 0.25% | -0.35% | -0.14% | -61 bps | |
| Return on Equity | -1.44% | -1.80% | 3.38% | 3.06% | 2.21% | 1.59% | -2.37% | -0.92% | -398 bps | |
| Net Interest Margin | 2.32% | 2.35% | 2.50% | 2.62% | 2.68% | 2.61% | 2.44% | 2.57% | -5 bps | |
| Efficiency Ratio | 98.99% | 102.59% | 93.37% | 90.24% | 92.07% | 95.47% | 116.97% | 109.28% | +1,904 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.50% | -2.13% | -4.96% | -5.80% | -7.75% | -6.62% | -1.75% | 1.17% | +697 bps | |
| Loan Growth (YoY) | -1.57% | -7.44% | -8.37% | -12.77% | -17.27% | -18.66% | -16.07% | -16.90% | -413 bps | |
| Share Growth (YoY) | -3.21% | -1.15% | -5.53% | -7.71% | -9.17% | -7.49% | -2.06% | 1.90% | +961 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 1.19% | 0.61% | 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 | 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 | 14.23% | 14.17% | 14.60% | 15.30% | 15.57% | 15.42% | 14.88% | 15.06% | -24 bps | |
| Net Worth / Assets | 14.23% | 14.17% | 14.60% | 15.30% | 15.57% | 15.42% | 14.88% | 15.06% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.81% | 75.24% | 73.01% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |