Laredo, TX · Charter 11011
NCUA · 3 branches
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 | 1.77% | 1.57% | 0.65% | 0.81% | 0.80% | 0.77% | 0.63% | 0.75% | -6 bps | |
| Return on Equity | 17.13% | 14.50% | 6.12% | 7.56% | 7.27% | 6.87% | 5.67% | 6.65% | -91 bps | |
| Net Interest Margin | 3.98% | 4.15% | 4.06% | 4.11% | 4.20% | 4.29% | 4.23% | 4.29% | +18 bps | |
| Efficiency Ratio | 67.04% | 69.66% | 81.82% | 79.97% | 80.78% | 82.09% | 83.05% | 82.34% | +236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | -3.96% | -1.27% | 0.32% | 0.37% | 3.36% | 1.26% | 0.27% | -5 bps | |
| Loan Growth (YoY) | -1.40% | -2.47% | 6.60% | 13.29% | 17.88% | 22.01% | 15.29% | 8.30% | -499 bps | |
| Share Growth (YoY) | -5.25% | -5.74% | -3.19% | -1.36% | -0.91% | 2.24% | -0.17% | -0.35% | +101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.85% | 0.68% | 0.86% | 1.03% | 0.47% | 0.29% | 0.35% | -51 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 | 10.34% | 10.82% | 10.62% | 10.71% | 10.99% | 11.14% | 11.15% | 11.31% | +60 bps | |
| Net Worth / Assets | 10.34% | 10.82% | 10.62% | 10.71% | 10.99% | 11.14% | 11.15% | 11.31% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.89% | 52.99% | 54.30% | 57.87% | 61.74% | 63.23% | 62.71% | 62.89% | +502 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |