Beeville, TX · Charter 13062
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 | 1.33% | 1.26% | 1.40% | 1.11% | 1.10% | 0.99% | 0.82% | 0.80% | -31 bps | |
| Return on Equity | 2.42% | 2.28% | 2.36% | 1.87% | 1.86% | 1.62% | 1.33% | 1.30% | -57 bps | |
| Net Interest Margin | 3.27% | 3.33% | 3.74% | 3.52% | 3.42% | 3.45% | 3.19% | 3.19% | -33 bps | |
| Efficiency Ratio | 59.50% | 62.32% | 62.73% | 68.44% | 67.88% | 71.41% | 74.37% | 74.90% | +646 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | -2.31% | -7.66% | -5.72% | -5.81% | -8.12% | -2.83% | -2.72% | +301 bps | |
| Loan Growth (YoY) | 47.27% | 20.56% | 3.62% | 13.56% | 8.97% | -6.85% | -6.48% | -11.26% | -2,483 bps | |
| Share Growth (YoY) | -7.19% | -7.13% | -18.93% | -14.78% | -14.82% | -20.15% | -8.62% | -8.32% | +647 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.08% | 0.05% | 0.10% | 0.53% | 0.39% | 0.72% | +67 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 | 0.44% | 0.81% | 0.88% | 0.84% | 0.85% | 0.77% | 0.83% | 0.83% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 55.09% | 55.49% | 59.31% | 59.46% | 59.34% | 61.30% | 61.72% | 61.73% | +227 bps | |
| Net Worth / Assets | 55.09% | 55.49% | 59.31% | 59.46% | 59.34% | 61.30% | 61.72% | 61.73% | +227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.72% | 88.63% | 95.25% | 100.00% | 98.14% | 103.39% | 97.49% | 96.78% | -321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |