Beaumont, TX · Charter 15788
NCUA · 3 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 | -0.07% | -0.08% | -0.61% | -1.56% | -2.02% | -2.20% | -0.74% | 2.37% | +392 bps | |
| Return on Equity | -0.54% | -0.64% | -5.01% | -13.27% | -18.82% | -20.27% | -7.05% | 19.51% | +3,278 bps | |
| Net Interest Margin | 4.20% | 4.16% | 3.42% | 3.57% | 3.53% | 3.81% | 3.83% | 3.96% | +39 bps | |
| Efficiency Ratio | 91.75% | 91.84% | 114.97% | 112.62% | 113.96% | 114.01% | 117.79% | 74.65% | -3,797 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.20% | -3.05% | 3.91% | 3.91% | 6.69% | -0.18% | -4.10% | -4.84% | -875 bps | |
| Loan Growth (YoY) | -6.95% | -10.02% | -11.02% | -6.65% | -1.61% | 2.07% | 1.71% | -2.80% | +385 bps | |
| Share Growth (YoY) | -3.97% | -2.82% | 5.84% | 6.82% | 9.22% | 3.70% | -1.81% | -5.50% | -1,232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.88% | 1.42% | 1.03% | 1.38% | 1.04% | 1.04% | 0.30% | -74 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 | 13.10% | 13.05% | 12.19% | 11.73% | 10.74% | 10.87% | 10.52% | 12.13% | +40 bps | |
| Net Worth / Assets | 13.10% | 13.05% | 12.19% | 11.73% | 10.74% | 10.87% | 10.52% | 12.13% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.74% | 78.62% | 70.70% | 70.96% | 71.83% | 77.38% | 73.23% | 72.98% | +202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |