Pearsall, TX · Charter 20267
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 1.04% | 1.62% | 2.07% | -1.35% | -0.23% | -3.22% | -1.42% | -348 bps | |
| Return on Equity | 2.04% | 3.19% | 4.31% | 5.41% | -3.62% | -0.61% | -8.66% | -3.79% | -920 bps | |
| Net Interest Margin | 5.55% | 5.85% | 8.38% | 8.09% | 7.23% | 7.19% | 7.69% | 7.06% | -103 bps | |
| Efficiency Ratio | 89.30% | 83.35% | 81.56% | 75.73% | 95.07% | 86.13% | 99.31% | 97.04% | +2,131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.62% | -3.15% | -16.45% | -17.75% | -17.59% | -15.11% | -3.69% | -2.64% | +1,512 bps | |
| Loan Growth (YoY) | -1.22% | 1.59% | -7.35% | -8.31% | -13.56% | -12.53% | -3.55% | -6.05% | +225 bps | |
| Share Growth (YoY) | -2.86% | -5.45% | -24.86% | -27.04% | -25.22% | -22.79% | -3.75% | -1.51% | +2,553 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.92% | 2.18% | 0.00% | 1.29% | 2.81% | 1.26% | 0.63% | +63 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 | 0.60% | 0.59% | 1.09% | 1.38% | 1.41% | 1.77% | 0.90% | 1.04% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.14% | 32.68% | 37.57% | 38.22% | 37.35% | 38.19% | 37.23% | 37.35% | -87 bps | |
| Net Worth / Assets | 31.14% | 32.68% | 37.57% | 38.22% | 37.35% | 38.19% | 37.23% | 37.35% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.63% | 119.13% | 130.08% | 132.14% | 131.36% | 134.96% | 130.36% | 126.03% | -610 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |