Bay City, TX · Charter 15563
NCUA · 4 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 | 1.96% | 1.91% | 1.98% | 2.26% | 2.38% | 2.16% | 2.35% | 2.50% | +24 bps | |
| Return on Equity | 9.51% | 9.06% | 9.59% | 10.65% | 10.87% | 9.83% | 10.92% | 11.47% | +82 bps | |
| Net Interest Margin | 3.61% | 3.58% | 3.81% | 3.93% | 4.03% | 3.84% | 4.05% | 3.92% | 0 bps | |
| Efficiency Ratio | 50.14% | 51.73% | 49.52% | 47.35% | 47.69% | 50.58% | 44.14% | 43.69% | -366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.93% | -2.62% | 0.41% | 3.17% | 4.70% | 6.56% | 6.70% | 8.50% | +533 bps | |
| Loan Growth (YoY) | 4.94% | 3.90% | -0.98% | -2.71% | -2.72% | 2.22% | 1.27% | -0.51% | +220 bps | |
| Share Growth (YoY) | -3.27% | -5.50% | -1.80% | 1.28% | 3.04% | 5.34% | 5.52% | 7.72% | +644 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 1.18% | 1.06% | 1.58% | 0.97% | 0.80% | 0.77% | 1.01% | -57 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 | 20.61% | 21.10% | 20.68% | 21.24% | 21.86% | 21.93% | 21.55% | 21.79% | +54 bps | |
| Net Worth / Assets | 20.61% | 21.10% | 20.68% | 21.24% | 21.86% | 21.93% | 21.55% | 21.79% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.59% | 56.27% | 53.35% | 53.94% | 53.43% | 54.60% | 51.20% | 49.82% | -412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |