Morton, TX · Charter 14166
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.91% | 1.44% | 0.92% | -0.46% | 0.33% | -158 bps | |
| Return on Equity | 12.94% | 8.96% | 5.84% | -3.00% | 2.24% | -1,070 bps | |
| Net Interest Margin | 4.33% | 4.73% | 4.58% | 4.00% | 4.19% | -14 bps | |
| Efficiency Ratio | 68.88% | 66.99% | 67.57% | 80.84% | 69.64% | +76 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.28% | -6.17% | -6.84% | -5.07% | 3.54% | -274 bps | |
| Loan Growth (YoY) | -14.99% | -9.99% | -10.48% | -13.15% | -4.91% | +1,008 bps | |
| Share Growth (YoY) | 5.15% | -9.02% | -8.42% | -5.01% | 4.61% | -54 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.93% | 1.36% | 1.00% | 1.65% | 0.77% | -216 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.90% | 1.37% | 1.53% | 0.00% | -85 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.78% | 16.10% | 15.66% | 15.37% | 14.66% | -12 bps | |
| Net Worth / Assets | 14.78% | 16.10% | 15.66% | 15.37% | 14.66% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.58% | 55.36% | 51.32% | 48.78% | 45.97% | -460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |