Tyler, TX · Charter 15467
NCUA · 3 branches
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 | 0.09% | 0.49% | 0.93% | 0.97% | 0.93% | 1.36% | 1.59% | 1.33% | +36 bps | |
| Return on Equity | 0.75% | 4.06% | 7.81% | 7.72% | 7.23% | 10.42% | 12.63% | 10.50% | +278 bps | |
| Net Interest Margin | 2.76% | 2.87% | 3.31% | 3.57% | 3.69% | 3.65% | 3.68% | 3.72% | +14 bps | |
| Efficiency Ratio | 89.52% | 81.91% | 72.98% | 73.70% | 74.05% | 67.79% | 63.02% | 66.67% | -702 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | 1.50% | 1.42% | -2.53% | 0.65% | 3.55% | 7.53% | 12.21% | +1,474 bps | |
| Loan Growth (YoY) | 4.40% | 1.84% | 2.03% | 2.89% | 7.45% | 11.37% | 12.90% | 14.44% | +1,155 bps | |
| Share Growth (YoY) | 4.36% | 1.66% | 1.14% | -3.25% | -0.45% | 2.40% | 6.81% | 9.89% | +1,314 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.59% | 0.31% | 0.26% | 0.37% | 0.71% | 0.32% | 0.82% | +56 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 | 11.78% | 12.11% | 11.95% | 12.52% | 12.82% | 13.05% | 12.56% | 12.64% | +11 bps | |
| Net Worth / Assets | 11.78% | 12.11% | 11.95% | 12.52% | 12.82% | 13.05% | 12.56% | 12.64% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.47% | 82.00% | 79.44% | 84.37% | 89.02% | 89.18% | 83.97% | 87.86% | +349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |