Rusk, TX · Charter 13591
NCUA · 2 branches
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 | 0.63% | 0.32% | 0.70% | 0.70% | 0.35% | 0.58% | 1.24% | 0.98% | +27 bps | |
| Return on Equity | 2.38% | 1.34% | 2.90% | 2.91% | 1.50% | 2.17% | 4.65% | 3.58% | +67 bps | |
| Net Interest Margin | 4.32% | 3.92% | 3.70% | 3.85% | 3.75% | 4.39% | 4.54% | 4.68% | +82 bps | |
| Efficiency Ratio | 70.57% | 75.46% | 69.10% | 69.70% | 75.16% | 76.59% | 75.91% | 73.41% | +371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.61% | 5.24% | 6.46% | 7.65% | 13.03% | -8.55% | -8.55% | -9.87% | -1,751 bps | |
| Loan Growth (YoY) | -14.80% | -13.49% | -8.12% | -7.11% | -8.37% | -6.78% | -10.79% | -11.15% | -404 bps | |
| Share Growth (YoY) | -8.21% | 6.56% | 8.15% | 9.96% | 17.41% | -11.94% | -11.97% | -13.73% | -2,369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.42% | 0.39% | 0.74% | 0.46% | 0.86% | 1.24% | 1.11% | +37 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 | 26.43% | 24.10% | 24.02% | 24.18% | 23.33% | 26.72% | 26.74% | 27.28% | +311 bps | |
| Net Worth / Assets | 26.43% | 24.10% | 24.02% | 24.18% | 23.33% | 26.72% | 26.74% | 27.28% | +311 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.77% | 84.13% | 84.40% | 82.20% | 74.74% | 89.06% | 85.53% | 84.66% | +246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |