Rio Grande City, TX · Charter 18559
NCUA · 2 branches
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 | 2.02% | 1.89% | 1.84% | 1.68% | 1.64% | -38 bps | |
| Return on Equity | 12.43% | 11.31% | 10.76% | 9.91% | 9.76% | -268 bps | |
| Net Interest Margin | 4.16% | 4.25% | 4.27% | 4.00% | 3.92% | -24 bps | |
| Efficiency Ratio | 60.05% | 62.88% | 63.39% | 66.00% | 65.39% | +534 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.77% | 6.92% | 6.87% | 4.64% | 6.61% | +84 bps | |
| Loan Growth (YoY) | -1.76% | -3.40% | -3.25% | -2.76% | -7.13% | -537 bps | |
| Share Growth (YoY) | 5.00% | 5.76% | 5.77% | 3.39% | 5.73% | +72 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.60% | 0.47% | 0.43% | 0.51% | -22 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 | 16.26% | 16.67% | 17.07% | 16.90% | 16.85% | +59 bps | |
| Net Worth / Assets | 16.26% | 16.67% | 17.07% | 16.90% | 16.85% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.80% | 25.50% | 25.42% | 23.86% | 22.66% | -314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |