Deer Park, TX · Charter 13132
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 | 1.22% | 1.18% | 0.62% | 0.52% | 0.65% | 0.81% | 0.24% | 0.42% | -10 bps | |
| Return on Equity | 4.52% | 4.36% | 2.50% | 2.11% | 3.11% | 3.65% | 1.19% | 2.34% | +23 bps | |
| Net Interest Margin | 5.34% | 5.35% | 4.82% | 5.06% | 4.42% | 4.74% | 4.53% | 4.55% | -51 bps | |
| Efficiency Ratio | 77.62% | 77.17% | 84.62% | 86.57% | 82.83% | 81.20% | 91.32% | 88.22% | +165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.95% | 9.25% | 16.11% | 7.17% | 25.61% | 19.52% | 11.93% | 30.56% | +2,339 bps | |
| Loan Growth (YoY) | 7.50% | 8.64% | 8.95% | 9.76% | 3.17% | 5.95% | 11.42% | 15.74% | +598 bps | |
| Share Growth (YoY) | 8.66% | 12.94% | 23.67% | 8.53% | 41.76% | 30.43% | 12.70% | 44.84% | +3,631 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.94% | 6.72% | 5.68% | 5.60% | 2.00% | 3.41% | 2.70% | 1.31% | -429 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 | 27.10% | 27.14% | 24.75% | 24.59% | 21.07% | 22.24% | 19.98% | 18.01% | -658 bps | |
| Net Worth / Assets | 27.10% | 27.14% | 24.75% | 24.59% | 21.07% | 22.24% | 19.98% | 18.01% | -658 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 126.79% | 129.01% | 116.19% | 124.68% | 92.28% | 104.79% | 114.86% | 99.63% | -2,505 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |