Seminole, TX · Charter 17154
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 | 0.04% | 0.03% | 0.03% | 0.08% | 0.07% | 0.05% | 0.02% | 0.02% | -5 bps | |
| Return on Equity | 0.17% | 0.14% | 0.12% | 0.36% | 0.31% | 0.21% | 0.11% | 0.11% | -25 bps | |
| Net Interest Margin | 3.45% | 3.52% | 3.39% | 3.13% | 3.25% | 3.25% | 3.16% | 3.29% | +16 bps | |
| Efficiency Ratio | 87.30% | 89.76% | 92.94% | 84.00% | 85.05% | 88.74% | 99.25% | 99.27% | +1,528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.88% | -0.11% | 1.17% | 0.80% | 1.80% | 5.25% | 2.81% | -2.29% | -310 bps | |
| Loan Growth (YoY) | -8.11% | -11.27% | -14.83% | -13.61% | -5.50% | -0.55% | -7.48% | -5.41% | +820 bps | |
| Share Growth (YoY) | 3.02% | 0.33% | 2.62% | 1.77% | 2.09% | 6.22% | 3.54% | -1.78% | -355 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 2.05% | 4.14% | 5.63% | 3.89% | 4.63% | 5.07% | 4.37% | -126 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 | 1.02% | 1.14% | 1.01% | 1.43% | 1.15% | 1.19% | 1.19% | 1.19% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.98% | 22.52% | 22.23% | 21.79% | 21.65% | 21.44% | 21.67% | 22.26% | +47 bps | |
| Net Worth / Assets | 21.98% | 22.52% | 22.23% | 21.79% | 21.65% | 21.44% | 21.67% | 22.26% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.95% | 48.29% | 47.58% | 45.80% | 46.23% | 45.21% | 42.52% | 44.11% | -169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |