Lufkin, TX · Charter 16351
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 | 2.66% | 2.60% | 1.94% | 2.11% | 2.27% | 2.18% | 2.06% | 1.98% | -14 bps | |
| Return on Equity | 10.71% | 10.32% | 7.70% | 8.29% | 8.62% | 8.32% | 7.85% | 7.52% | -77 bps | |
| Net Interest Margin | 4.87% | 4.85% | 4.66% | 4.66% | 4.73% | 4.62% | 4.42% | 4.34% | -32 bps | |
| Efficiency Ratio | 56.57% | 57.23% | 66.35% | 64.98% | 62.98% | 63.63% | 64.48% | 66.20% | +121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.09% | -1.77% | -1.38% | 1.53% | 3.54% | 4.74% | 4.26% | 5.38% | +386 bps | |
| Loan Growth (YoY) | -0.46% | 1.19% | 3.47% | 2.65% | 2.66% | 0.30% | -2.57% | -5.21% | -786 bps | |
| Share Growth (YoY) | -10.16% | -4.73% | -4.17% | -0.17% | 2.10% | 3.30% | 2.65% | 4.34% | +451 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 1.06% | 0.21% | 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 | 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 | 24.84% | 25.18% | 25.12% | 25.49% | 26.31% | 26.22% | 26.29% | 26.28% | +79 bps | |
| Net Worth / Assets | 24.84% | 25.18% | 25.12% | 25.49% | 26.31% | 26.22% | 26.29% | 26.28% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.77% | 55.65% | 55.61% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |