Beaumont, TX · Charter 17243
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.89% | 2.25% | 4.13% | 4.17% | 0.00% | 0.35% | -26630% | -2,663,403 bps | |
| Return on Equity | 10.12% | 19.34% | 39.23% | 41.81% | 35.55% | 0.03% | 3.91% | -26630% | -2,667,170 bps | |
| Net Interest Margin | 2.40% | 1.59% | 3.36% | 5.03% | 5.08% | 0.93% | 2.70% | -26316% | -2,632,133 bps | |
| Efficiency Ratio | 59.33% | 46.03% | 33.28% | 18.31% | 18.82% | 99.68% | 87.21% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.22% | 89.33% | 86.73% | 18.91% | 5.30% | -47.46% | -41.81% | -99.94% | -11,885 bps | |
| Loan Growth (YoY) | -25.54% | 80.03% | 92.49% | 36.05% | 33.70% | -62.45% | -62.60% | -100.00% | -13,605 bps | |
| Share Growth (YoY) | 0.53% | 97.50% | 95.02% | 19.01% | 3.31% | -49.32% | -43.82% | -100.00% | -11,901 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 1.19% | 0.40% | 0.45% | 0.71% | 0.89% | 1.07% | 1.21% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 10.04% | 4.60% | 5.74% | 9.89% | 11.74% | 8.91% | 8.99% | 100.00% | +9,011 bps | |
| Net Worth / Assets | 10.04% | 4.60% | 5.74% | 9.89% | 11.74% | 8.91% | 8.99% | 100.00% | +9,011 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.35% | 82.32% | 80.88% | 81.97% | 72.92% | 60.99% | 53.84% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |