Deer Park, TX · Charter 16061
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 | 1.61% | 1.61% | 1.45% | 1.26% | 1.55% | -5 bps | |
| Return on Equity | 7.48% | 7.59% | 7.09% | 5.92% | 7.16% | -32 bps | |
| Net Interest Margin | 5.15% | 5.06% | 4.76% | 4.78% | 4.95% | -21 bps | |
| Efficiency Ratio | 70.22% | 69.50% | 70.97% | 74.64% | 70.15% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.69% | 5.87% | 7.43% | 5.98% | 6.49% | +381 bps | |
| Loan Growth (YoY) | 8.40% | 6.03% | 9.03% | 1.89% | 0.93% | -747 bps | |
| Share Growth (YoY) | 3.53% | 6.53% | 7.37% | 5.90% | 4.96% | +143 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.06% | 0.28% | 0.00% | 0.01% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.01% | 0.44% | 0.39% | 0.39% | 0.39% | +38 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.51% | 21.24% | 20.41% | 21.20% | 21.70% | +19 bps | |
| Net Worth / Assets | 21.51% | 21.24% | 20.41% | 21.20% | 21.70% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.32% | 88.65% | 83.20% | 84.89% | 86.86% | -346 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |