Bonham, TX · Charter 17254
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.51% | 2.44% | 2.43% | 2.48% | 2.39% | -12 bps | |
| Return on Equity | 13.41% | 12.70% | 12.51% | 12.42% | 11.82% | -159 bps | |
| Net Interest Margin | 4.31% | 4.27% | 4.23% | 4.13% | 4.11% | -20 bps | |
| Efficiency Ratio | 46.87% | 47.12% | 47.00% | 49.75% | 48.44% | +156 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.42% | 4.89% | 4.80% | 2.48% | 4.92% | -150 bps | |
| Loan Growth (YoY) | 0.80% | -1.88% | -2.22% | -3.92% | -4.89% | -570 bps | |
| Share Growth (YoY) | 4.00% | 3.21% | 2.93% | 0.00% | 3.55% | -45 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.46% | 0.23% | 0.26% | 0.61% | +35 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 | 18.71% | 19.20% | 19.45% | 19.97% | 20.21% | +150 bps | |
| Net Worth / Assets | 18.71% | 19.20% | 19.45% | 19.97% | 20.21% | +150 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.41% | 66.93% | 66.23% | 64.82% | 62.84% | -558 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |