Nursery, TX · Charter 18816
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 | 1.86% | 1.87% | 1.82% | -0.52% | 0.48% | -139 bps | |
| Return on Equity | 6.31% | 6.32% | 5.92% | -1.71% | 1.55% | -476 bps | |
| Net Interest Margin | 4.21% | 4.16% | 4.20% | 3.91% | 3.98% | -24 bps | |
| Efficiency Ratio | 61.03% | 59.50% | 60.67% | 73.41% | 68.39% | +736 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.58% | -4.68% | -6.38% | -2.29% | -0.87% | +572 bps | |
| Loan Growth (YoY) | 7.58% | -2.05% | -11.99% | -13.09% | -20.03% | -2,761 bps | |
| Share Growth (YoY) | -11.19% | -8.76% | -11.15% | -4.84% | -2.79% | +839 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.55% | 0.39% | 0.88% | 0.44% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.04% | 0.01% | -0.25% | 0.28% | 0.30% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.54% | 29.64% | 30.81% | 30.27% | 30.91% | +137 bps | |
| Net Worth / Assets | 29.54% | 29.64% | 30.81% | 30.27% | 30.91% | +137 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 113.78% | 108.70% | 104.11% | 98.91% | 93.61% | -2,017 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |