Deer Park, TX · Charter 16061
NCUA · 1 branch
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 | 1.82% | 0.64% | 1.66% | 1.61% | 1.61% | 1.45% | 1.26% | 1.55% | -5 bps | |
| Return on Equity | 8.30% | 3.16% | 7.92% | 7.48% | 7.59% | 7.09% | 5.92% | 7.16% | -32 bps | |
| Net Interest Margin | 4.89% | 4.74% | 5.09% | 5.15% | 5.06% | 4.76% | 4.78% | 4.95% | -21 bps | |
| Efficiency Ratio | 64.09% | 65.13% | 68.67% | 70.22% | 69.50% | 70.97% | 74.64% | 70.15% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | 6.91% | 4.29% | 2.69% | 5.87% | 7.43% | 5.98% | 6.49% | +381 bps | |
| Loan Growth (YoY) | 6.99% | 4.09% | 7.21% | 8.40% | 6.03% | 9.03% | 1.89% | 0.93% | -747 bps | |
| Share Growth (YoY) | 1.99% | 7.87% | 4.09% | 3.53% | 6.53% | 7.37% | 5.90% | 4.96% | +143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.82% | 1.46% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.01% | 0.01% | 0.01% | 0.44% | 0.39% | 0.39% | 0.39% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.90% | 20.38% | 20.98% | 21.51% | 21.24% | 20.41% | 21.20% | 21.70% | +19 bps | |
| Net Worth / Assets | 21.90% | 20.38% | 20.98% | 21.51% | 21.24% | 20.41% | 21.20% | 21.70% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.06% | 81.94% | 88.24% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |