Port Lavaca, TX · Charter 18935
NCUA · 3 branches
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.25% | 1.18% | 1.22% | 1.16% | 1.07% | 0.93% | 0.91% | -32 bps | |
| Return on Equity | 11.20% | 10.70% | 10.13% | 10.40% | 9.71% | 8.91% | 7.58% | 7.26% | -314 bps | |
| Net Interest Margin | 2.90% | 2.82% | 2.80% | 2.80% | 2.83% | 2.85% | 2.82% | 2.80% | 0 bps | |
| Efficiency Ratio | 59.69% | 61.33% | 59.14% | 59.88% | 60.88% | 63.30% | 66.33% | 67.46% | +758 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.54% | 14.66% | 11.72% | 13.27% | 9.93% | 6.15% | 2.37% | 1.25% | -1,203 bps | |
| Loan Growth (YoY) | 0.17% | -0.96% | 1.56% | 2.90% | 4.40% | 2.56% | -1.85% | -2.80% | -571 bps | |
| Share Growth (YoY) | 12.38% | 14.33% | 11.21% | 13.08% | 9.45% | 5.93% | 1.79% | 0.56% | -1,252 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.39% | 0.30% | 0.29% | 0.18% | 0.28% | 0.08% | 0.09% | -20 bps | |
| 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.97% | 11.72% | 11.62% | 11.76% | 11.96% | 12.05% | 12.31% | 12.47% | +71 bps | |
| Net Worth / Assets | 11.97% | 11.72% | 11.62% | 11.76% | 11.96% | 12.05% | 12.31% | 12.47% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.69% | 61.87% | 61.03% | 61.52% | 61.71% | 59.89% | 58.85% | 59.46% | -206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |