Deer Park, TX · Charter 1941
NCUA · 15 branches
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 | 1.32% | 1.16% | 1.23% | 1.23% | 1.40% | +8 bps | |
| Return on Equity | 10.08% | 8.73% | 9.29% | 9.34% | 10.44% | +37 bps | |
| Net Interest Margin | 4.59% | 4.64% | 4.59% | 4.40% | 4.51% | -8 bps | |
| Efficiency Ratio | 71.39% | 71.37% | 69.20% | 69.15% | 68.61% | -278 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.27% | 3.63% | 8.39% | 8.27% | 7.60% | +333 bps | |
| Loan Growth (YoY) | 1.22% | 3.12% | 6.43% | 8.38% | 7.17% | +595 bps | |
| Share Growth (YoY) | 2.85% | 4.11% | 9.69% | 9.03% | 8.38% | +552 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 0.90% | 0.96% | 0.79% | 0.71% | -13 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 | 13.07% | 13.26% | 13.26% | 13.16% | 13.39% | +32 bps | |
| Net Worth / Assets | 13.07% | 13.26% | 13.26% | 13.16% | 13.39% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.42% | 92.03% | 90.79% | 88.76% | 89.42% | -100 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |