Killeen, TX · Charter 11995
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.36% | 1.24% | 1.09% | 1.08% | 0.91% | 0.86% | 0.83% | -26 bps | |
| Return on Equity | 12.87% | 12.81% | 11.84% | 10.32% | 10.12% | 8.28% | 7.81% | 7.36% | -296 bps | |
| Net Interest Margin | 3.80% | 3.89% | 3.88% | 3.81% | 3.71% | 3.81% | 3.76% | 3.80% | -1 bps | |
| Efficiency Ratio | 70.75% | 69.94% | 71.37% | 71.68% | 72.60% | 76.73% | 76.35% | 78.98% | +730 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.01% | 2.21% | 5.20% | 5.63% | 6.58% | 5.69% | 3.13% | 0.62% | -501 bps | |
| Loan Growth (YoY) | -0.75% | 16.86% | 13.12% | 0.22% | -5.24% | -14.57% | -16.72% | -8.92% | -914 bps | |
| Share Growth (YoY) | 1.93% | 0.84% | 4.14% | 4.68% | 5.96% | 5.29% | 2.59% | -0.16% | -485 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.18% | 0.09% | 0.05% | 0.00% | 0.00% | 0.08% | 0.00% | -5 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 | 0.52% | 0.47% | 0.18% | 0.40% | 0.37% | 0.35% | 0.48% | 0.40% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.10% | 10.62% | 10.47% | 10.59% | 10.63% | 10.96% | 10.96% | 11.30% | +71 bps | |
| Net Worth / Assets | 10.10% | 10.62% | 10.47% | 10.59% | 10.63% | 10.96% | 10.96% | 11.30% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.86% | 33.85% | 33.03% | 28.98% | 26.70% | 27.46% | 26.81% | 26.44% | -254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |