Lefors, TX · Charter 13777
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 | -0.18% | -0.01% | 0.17% | -0.23% | 0.00% | 0.10% | 0.26% | 0.33% | +56 bps | |
| Return on Equity | -0.86% | -0.05% | 0.78% | -1.02% | 0.01% | 0.43% | 1.11% | 1.41% | +243 bps | |
| Net Interest Margin | 5.27% | 5.42% | 5.15% | 5.37% | 5.31% | 5.22% | 4.97% | 4.95% | -42 bps | |
| Efficiency Ratio | 90.48% | 89.61% | 87.79% | 86.85% | 88.28% | 89.34% | 94.93% | 93.56% | +672 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.64% | -8.38% | -6.55% | -4.31% | -5.51% | -1.51% | -4.61% | -0.01% | +430 bps | |
| Loan Growth (YoY) | 0.68% | -0.85% | 4.73% | -12.23% | -15.34% | -20.36% | -22.28% | -18.35% | -613 bps | |
| Share Growth (YoY) | -14.41% | -10.52% | -8.33% | -5.52% | -7.20% | -2.20% | -6.08% | -0.50% | +502 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 2.60% | 1.07% | 0.15% | 0.89% | 1.13% | 1.06% | 1.12% | +97 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 | 0.62% | 0.63% | 0.58% | 1.14% | 1.15% | 1.28% | 1.31% | 1.25% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.41% | 22.34% | 22.26% | 22.79% | 22.79% | 22.78% | 23.46% | 23.17% | +38 bps | |
| Net Worth / Assets | 21.41% | 22.34% | 22.26% | 22.79% | 22.79% | 22.78% | 23.46% | 23.17% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.72% | 88.52% | 88.02% | 87.51% | 80.94% | 72.08% | 72.83% | 71.81% | -1,570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |