Rockdale, TX · Charter 19926
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 | 1.13% | 1.20% | 1.21% | 1.35% | 1.42% | +29 bps | |
| Return on Equity | 10.35% | 10.81% | 10.64% | 11.97% | 12.17% | +183 bps | |
| Net Interest Margin | 3.67% | 3.66% | 3.68% | 3.74% | 3.84% | +17 bps | |
| Efficiency Ratio | 72.37% | 71.54% | 71.92% | 71.33% | 70.53% | -184 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.77% | 4.87% | 3.46% | 4.57% | 5.62% | -16 bps | |
| Loan Growth (YoY) | 10.39% | 10.03% | 13.47% | 16.01% | 17.90% | +751 bps | |
| Share Growth (YoY) | 5.34% | 4.23% | 2.57% | 3.67% | 5.09% | -25 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.02% | 0.10% | 0.06% | 0.08% | -3 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 | 10.92% | 11.07% | 11.33% | 11.28% | 11.65% | +73 bps | |
| Net Worth / Assets | 10.92% | 11.07% | 11.33% | 11.28% | 11.65% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.36% | 51.97% | 54.24% | 54.53% | 56.50% | +614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |