Alvin, TX · Charter 15143
NCUA · 4 branches
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 | 1.01% | 0.98% | 0.89% | 0.85% | 0.92% | 0.44% | 1.20% | 0.82% | -2 bps | |
| Return on Equity | 8.10% | 7.65% | 7.08% | 6.54% | 6.96% | 3.48% | 9.35% | 6.41% | -13 bps | |
| Net Interest Margin | 3.80% | 3.84% | 3.75% | 3.83% | 3.87% | 3.75% | 3.70% | 3.71% | -12 bps | |
| Efficiency Ratio | 81.96% | 82.16% | 81.31% | 81.16% | 81.67% | 89.72% | 76.89% | 82.47% | +131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.53% | -1.92% | 0.50% | 1.50% | 0.89% | 4.80% | 1.99% | 3.99% | +248 bps | |
| Loan Growth (YoY) | 1.47% | 0.39% | -1.92% | -1.37% | -2.72% | -4.80% | -5.72% | -8.54% | -717 bps | |
| Share Growth (YoY) | -3.19% | -3.75% | -0.76% | 0.49% | -0.15% | 4.45% | 1.11% | 2.88% | +239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.46% | 0.20% | 0.47% | 0.78% | 0.61% | 0.56% | 0.77% | +31 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.48% | 12.77% | 12.59% | 12.93% | 13.27% | 12.63% | 12.85% | 12.87% | -6 bps | |
| Net Worth / Assets | 12.48% | 12.77% | 12.59% | 12.93% | 13.27% | 12.63% | 12.85% | 12.87% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.44% | 66.16% | 63.03% | 64.08% | 63.75% | 60.30% | 58.78% | 56.97% | -711 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |