Liberty, TX · Charter 14052
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.97% | 2.23% | 2.11% | 2.69% | 2.15% | +17 bps | |
| Return on Equity | 13.28% | 14.21% | 13.27% | 15.93% | 12.54% | -74 bps | |
| Net Interest Margin | 5.34% | 5.45% | 5.42% | 5.42% | 5.36% | +2 bps | |
| Efficiency Ratio | 66.84% | 65.10% | 64.49% | 65.39% | 66.05% | -79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.75% | 1.32% | 2.96% | -3.03% | -0.49% | +126 bps | |
| Loan Growth (YoY) | 16.36% | 25.22% | 21.24% | 4.42% | 2.10% | -1,426 bps | |
| Share Growth (YoY) | -3.93% | -2.15% | -0.22% | -5.69% | -2.91% | +102 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.00% | 0.03% | 0.54% | 0.03% | -10 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 | 14.87% | 15.70% | 15.93% | 16.88% | 17.13% | +226 bps | |
| Net Worth / Assets | 14.87% | 15.70% | 15.93% | 16.88% | 17.13% | +226 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.73% | 85.11% | 80.40% | 85.69% | 80.68% | +395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |