Kingsville, TX · Charter 1879
NCUA · 1 branch
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 | 1.04% | 1.35% | 1.00% | -0.62% | 1.55% | +51 bps | |
| Return on Equity | 7.01% | 8.92% | 7.34% | -4.68% | 10.56% | +355 bps | |
| Net Interest Margin | 5.48% | 5.56% | 5.13% | 5.00% | 5.69% | +21 bps | |
| Efficiency Ratio | 75.95% | 74.89% | 74.44% | 70.75% | 70.25% | -570 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.05% | 8.49% | 14.14% | 12.87% | 9.98% | +193 bps | |
| Loan Growth (YoY) | 2.28% | 5.17% | 10.63% | 15.12% | 16.04% | +1,376 bps | |
| Share Growth (YoY) | 7.26% | 9.41% | 15.24% | 14.26% | 10.54% | +328 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.25% | 3.07% | 2.96% | 1.47% | 1.29% | -96 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 | 14.82% | 15.11% | 13.69% | 13.26% | 14.65% | -18 bps | |
| Net Worth / Assets | 14.82% | 15.11% | 13.69% | 13.26% | 14.65% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.69% | 84.27% | 76.97% | 81.37% | 87.85% | +416 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |