Morton, TX · Charter 14166
NCUA · 1 branch
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 | 1.10% | 1.12% | 2.72% | 1.91% | 1.44% | 0.92% | -0.46% | 0.33% | -158 bps | |
| Return on Equity | 8.00% | 8.16% | 18.73% | 12.94% | 8.96% | 5.84% | -3.00% | 2.24% | -1,070 bps | |
| Net Interest Margin | 3.83% | 3.75% | 4.37% | 4.33% | 4.73% | 4.58% | 4.00% | 4.19% | -14 bps | |
| Efficiency Ratio | 69.63% | 69.68% | 60.05% | 68.88% | 66.99% | 67.57% | 80.84% | 69.64% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.78% | 14.60% | 7.71% | 6.28% | -6.17% | -6.84% | -5.07% | 3.54% | -274 bps | |
| Loan Growth (YoY) | -4.51% | -10.87% | -11.37% | -14.99% | -9.99% | -10.48% | -13.15% | -4.91% | +1,008 bps | |
| Share Growth (YoY) | 17.14% | 15.77% | 6.34% | 5.15% | -9.02% | -8.42% | -5.01% | 4.61% | -54 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 1.08% | 0.29% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.31% | 0.85% | 0.85% | 0.90% | 1.37% | 1.53% | 0.00% | -85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.77% | 13.74% | 14.52% | 14.78% | 16.10% | 15.66% | 15.37% | 14.66% | -12 bps | |
| Net Worth / Assets | 13.77% | 13.74% | 14.52% | 14.78% | 16.10% | 15.66% | 15.37% | 14.66% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.97% | 52.50% | 53.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |