Laredo, TX · Charter 12472
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 0.48% | 0.22% | -0.41% | 0.05% | -141 bps | |
| Return on Equity | 11.48% | 3.75% | 1.75% | -3.28% | 0.42% | -1,106 bps | |
| Net Interest Margin | 6.44% | 6.43% | 6.46% | 6.05% | 5.75% | -69 bps | |
| Efficiency Ratio | 87.21% | 90.11% | 93.33% | 91.54% | 94.26% | +705 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.81% | -6.87% | -5.84% | -3.44% | -2.10% | +71 bps | |
| Loan Growth (YoY) | -3.91% | -2.03% | -2.92% | -2.49% | -4.56% | -66 bps | |
| Share Growth (YoY) | -3.56% | -7.95% | -6.84% | -4.02% | -2.04% | +152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 0.89% | 1.30% | 0.96% | 1.74% | +64 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 | 12.74% | 12.87% | 12.70% | 12.55% | 12.50% | -24 bps | |
| Net Worth / Assets | 12.74% | 12.87% | 12.70% | 12.55% | 12.50% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.60% | 99.66% | 98.61% | 94.06% | 95.09% | -251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |