Galveston, TX · Charter 11927
NCUA · 4 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 | 0.68% | 0.28% | 0.27% | -0.71% | -1.01% | -168 bps | |
| Return on Equity | 6.59% | 2.72% | 2.74% | -7.08% | -10.13% | -1,672 bps | |
| Net Interest Margin | 4.33% | 4.30% | 4.23% | 3.72% | 3.77% | -56 bps | |
| Efficiency Ratio | 79.40% | 84.52% | 84.62% | 103.94% | 104.40% | +2,500 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.84% | 4.08% | 3.61% | -0.98% | -4.07% | -491 bps | |
| Loan Growth (YoY) | -1.35% | -4.84% | -9.69% | -12.53% | -14.66% | -1,331 bps | |
| Share Growth (YoY) | 0.53% | 4.18% | 4.56% | -0.62% | -3.10% | -363 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 2.28% | 1.70% | 1.84% | 2.79% | +151 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.26% | 10.14% | 10.00% | 9.98% | 9.95% | -31 bps | |
| Net Worth / Assets | 10.26% | 10.14% | 10.00% | 9.98% | 9.95% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.93% | 60.45% | 58.57% | 55.95% | 55.42% | -751 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |