Huntsville, TX · Charter 12068
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 | 2.06% | 1.87% | 2.19% | 1.93% | 1.81% | 2.04% | 0.63% | 1.02% | -91 bps | |
| Return on Equity | 13.16% | 11.74% | 13.94% | 11.57% | 11.20% | 11.81% | 3.81% | 6.21% | -536 bps | |
| Net Interest Margin | 5.07% | 5.15% | 5.10% | 5.35% | 5.09% | 5.25% | 4.93% | 4.85% | -49 bps | |
| Efficiency Ratio | 66.97% | 67.94% | 70.18% | 68.84% | 66.44% | 66.25% | 73.73% | 73.69% | +485 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.62% | 3.10% | 4.65% | 1.27% | 7.65% | 4.63% | 4.59% | 11.50% | +1,023 bps | |
| Loan Growth (YoY) | 11.38% | 8.73% | 6.40% | -0.07% | -4.99% | -4.31% | -7.56% | -7.82% | -776 bps | |
| Share Growth (YoY) | 1.76% | 1.26% | 3.44% | -0.53% | 6.98% | 3.29% | 3.49% | 11.52% | +1,205 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.78% | 0.71% | 0.42% | 0.71% | 1.22% | 0.75% | 0.57% | +15 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.68% | 15.96% | 15.70% | 16.71% | 16.19% | 17.25% | 16.54% | 16.48% | -23 bps | |
| Net Worth / Assets | 15.68% | 15.96% | 15.70% | 16.71% | 16.19% | 17.25% | 16.54% | 16.48% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.62% | 88.85% | 83.23% | 85.58% | 79.59% | 82.31% | 74.35% | 70.74% | -1,484 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |