White Oak, TX · Charter 1130
NCUA · 2 branches
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 | 0.17% | -0.74% | -0.06% | 0.36% | 0.36% | +19 bps | |
| Return on Equity | 0.70% | -3.18% | -0.23% | 1.45% | 1.33% | +63 bps | |
| Net Interest Margin | 4.81% | 4.79% | 5.20% | 5.10% | 5.46% | +65 bps | |
| Efficiency Ratio | 89.13% | 107.12% | 103.14% | 95.95% | 94.15% | +502 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.65% | -1.24% | -6.29% | -4.16% | -11.43% | -878 bps | |
| Loan Growth (YoY) | 3.19% | 7.60% | 2.85% | -1.48% | 2.23% | -96 bps | |
| Share Growth (YoY) | -3.56% | -5.56% | -4.93% | -5.61% | -14.88% | -1,133 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.57% | 6.20% | 3.96% | 2.61% | 2.41% | -517 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.15% | 0.68% | 0.65% | 0.66% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.62% | 23.26% | 25.32% | 24.68% | 26.70% | +307 bps | |
| Net Worth / Assets | 23.62% | 23.26% | 25.32% | 24.68% | 26.70% | +307 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.80% | 118.99% | 116.93% | 110.41% | 125.87% | +2,107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |