Pharr, TX · Charter 10994
NCUA · 3 branches
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 | 1.70% | 1.74% | 1.74% | 1.79% | 1.82% | 1.89% | 1.69% | 1.73% | -6 bps | |
| Return on Equity | 10.44% | 10.36% | 10.50% | 11.15% | 11.03% | 11.03% | 9.94% | 10.54% | -61 bps | |
| Net Interest Margin | 3.59% | 3.65% | 3.59% | 3.52% | 3.61% | 3.67% | 3.60% | 3.43% | -9 bps | |
| Efficiency Ratio | 62.46% | 62.90% | 65.07% | 63.03% | 63.37% | 62.95% | 66.53% | 62.96% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.58% | 2.71% | 5.99% | 10.70% | 10.82% | 10.54% | 9.07% | 9.67% | -103 bps | |
| Loan Growth (YoY) | -0.42% | 0.67% | -0.37% | 6.08% | 7.96% | 12.86% | 12.67% | 8.07% | +199 bps | |
| Share Growth (YoY) | 1.95% | 0.99% | 4.82% | 6.81% | 9.76% | 10.32% | 8.72% | 9.21% | +241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.57% | 0.32% | 0.55% | 0.48% | 0.43% | 0.36% | 0.50% | -6 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 | 16.33% | 16.83% | 16.56% | 16.09% | 16.52% | 17.11% | 17.04% | 16.44% | +35 bps | |
| Net Worth / Assets | 16.33% | 16.83% | 16.56% | 16.09% | 16.52% | 17.11% | 17.04% | 16.44% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.23% | 55.71% | 51.40% | 51.88% | 53.33% | 56.99% | 53.27% | 51.34% | -54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |