Sweetwater, TX · Charter 11377
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 | -1.35% | -1.45% | -0.89% | -0.73% | -0.41% | -0.23% | -0.53% | -0.61% | +12 bps | |
| Return on Equity | -6.87% | -7.31% | -4.53% | -3.63% | -2.10% | -1.10% | -2.68% | -3.12% | +50 bps | |
| Net Interest Margin | 3.15% | 3.20% | 3.14% | 3.53% | 3.53% | 3.88% | 4.11% | 4.24% | +71 bps | |
| Efficiency Ratio | 126.47% | 125.49% | 120.79% | 115.01% | 115.23% | 111.18% | 110.97% | 107.02% | -798 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.14% | -16.27% | -7.22% | -5.41% | -2.13% | -4.62% | -2.27% | 2.26% | +767 bps | |
| Loan Growth (YoY) | -0.83% | 0.31% | 1.65% | -4.02% | 2.67% | 1.81% | 2.46% | 3.37% | +739 bps | |
| Share Growth (YoY) | -4.87% | -13.56% | -8.24% | -5.65% | -6.26% | -1.96% | -1.81% | 2.98% | +863 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.00% | 0.00% | 0.51% | 0.00% | 0.55% | 0.57% | 0.11% | -40 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 | 0.63% | 0.79% | 0.83% | 0.89% | 0.25% | 0.02% | 0.00% | 0.15% | -74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.70% | 19.84% | 19.55% | 20.12% | 19.42% | 20.58% | 19.88% | 19.51% | -61 bps | |
| Net Worth / Assets | 19.70% | 19.84% | 19.55% | 20.12% | 19.42% | 20.58% | 19.88% | 19.51% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.62% | 55.02% | 51.05% | 51.34% | 57.64% | 57.14% | 53.27% | 51.54% | +20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |