Lufkin, TX · Charter 16351
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | 2.27% | 2.18% | 2.06% | 1.98% | -14 bps | |
| Return on Equity | 8.29% | 8.62% | 8.32% | 7.85% | 7.52% | -77 bps | |
| Net Interest Margin | 4.66% | 4.73% | 4.62% | 4.42% | 4.34% | -32 bps | |
| Efficiency Ratio | 64.98% | 62.98% | 63.63% | 64.48% | 66.20% | +121 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.53% | 3.54% | 4.74% | 4.26% | 5.38% | +386 bps | |
| Loan Growth (YoY) | 2.65% | 2.66% | 0.30% | -2.57% | -5.21% | -786 bps | |
| Share Growth (YoY) | -0.17% | 2.10% | 3.30% | 2.65% | 4.34% | +451 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.38% | 0.05% | 0.07% | 0.14% | -3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.49% | 26.31% | 26.22% | 26.29% | 26.28% | +79 bps | |
| Net Worth / Assets | 25.49% | 26.31% | 26.22% | 26.29% | 26.28% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.23% | 56.07% | 54.03% | 52.79% | 50.17% | -506 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |