Grand Saline, TX · Charter 15001
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 | -1.23% | -0.84% | -0.50% | -0.86% | -0.35% | +88 bps | |
| Return on Equity | -2.77% | -2.01% | -1.14% | -1.93% | -0.78% | +198 bps | |
| Net Interest Margin | 4.02% | 3.69% | 3.86% | 4.58% | 4.44% | +41 bps | |
| Efficiency Ratio | 106.05% | 105.95% | 108.16% | 105.77% | 101.93% | -412 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.62% | 0.93% | -1.09% | -2.54% | -0.42% | +221 bps | |
| Loan Growth (YoY) | -23.00% | -18.23% | -12.15% | 0.53% | -0.81% | +2,220 bps | |
| Share Growth (YoY) | 0.32% | 5.38% | 1.73% | 0.84% | 0.04% | -27 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.36% | 0.02% | 0.63% | 0.00% | 0.00% | -236 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.37% | 2.20% | 1.88% | 1.89% | +47 bps | |
| Capital | |||||||
| Risk-Based Capital | 44.54% | 41.82% | 43.97% | 44.52% | 44.66% | +12 bps | |
| Net Worth / Assets | 44.54% | 41.82% | 43.97% | 44.52% | 44.66% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.18% | 80.33% | 85.23% | 89.31% | 91.40% | -78 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |