White Oak, TX · Charter 1130
NCUA · 2 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 | 0.41% | 0.08% | -0.28% | 0.17% | -0.74% | -0.06% | 0.36% | 0.36% | +19 bps | |
| Return on Equity | 1.72% | 0.35% | -1.18% | 0.70% | -3.18% | -0.23% | 1.45% | 1.33% | +63 bps | |
| Net Interest Margin | 4.80% | 4.83% | 4.59% | 4.81% | 4.79% | 5.20% | 5.10% | 5.46% | +65 bps | |
| Efficiency Ratio | 90.42% | 92.16% | 92.64% | 89.13% | 107.12% | 103.14% | 95.95% | 94.15% | +502 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.38% | -9.39% | -5.14% | -2.65% | -1.24% | -6.29% | -4.16% | -11.43% | -878 bps | |
| Loan Growth (YoY) | -9.59% | -12.43% | -4.51% | 3.19% | 7.60% | 2.85% | -1.48% | 2.23% | -96 bps | |
| Share Growth (YoY) | -9.08% | -10.11% | -0.77% | -3.56% | -5.56% | -4.93% | -5.61% | -14.88% | -1,133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.04% | 8.14% | 9.59% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.89% | 1.00% | 1.05% | 1.15% | 0.68% | 0.65% | 0.66% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.74% | 23.78% | 23.55% | 23.62% | 23.26% | 25.32% | 24.68% | 26.70% | +307 bps | |
| Net Worth / Assets | 23.74% | 23.78% | 23.55% | 23.62% | 23.26% | 25.32% | 24.68% | 26.70% | +307 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.44% | 108.08% | 105.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |