Rockdale, TX · Charter 19926
NCUA · 2 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 | 0.85% | 0.88% | 1.10% | 1.13% | 1.20% | 1.21% | 1.35% | 1.42% | +29 bps | |
| Return on Equity | 8.12% | 8.38% | 10.47% | 10.35% | 10.81% | 10.64% | 11.97% | 12.17% | +183 bps | |
| Net Interest Margin | 3.17% | 3.23% | 3.54% | 3.67% | 3.66% | 3.68% | 3.74% | 3.84% | +17 bps | |
| Efficiency Ratio | 77.89% | 77.11% | 73.29% | 72.37% | 71.54% | 71.92% | 71.33% | 70.53% | -184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.33% | 6.86% | 6.16% | 5.77% | 4.87% | 3.46% | 4.57% | 5.62% | -16 bps | |
| Loan Growth (YoY) | 11.21% | 8.67% | 8.86% | 10.39% | 10.03% | 13.47% | 16.01% | 17.90% | +751 bps | |
| Share Growth (YoY) | 5.41% | 7.23% | 5.91% | 5.34% | 4.23% | 2.57% | 3.67% | 5.09% | -25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.19% | 0.10% | 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 | 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 | 10.44% | 10.51% | 10.52% | 10.92% | 11.07% | 11.33% | 11.28% | 11.65% | +73 bps | |
| Net Worth / Assets | 10.44% | 10.51% | 10.52% | 10.92% | 11.07% | 11.33% | 11.28% | 11.65% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.23% | 49.03% | 48.73% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |