Farmers Branch, TX · Charter 20303
NCUA · 1 branch
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 | 0.13% | 1.79% | -0.54% | 0.19% | 0.13% | 0.11% | 1.03% | 0.10% | -9 bps | |
| Return on Equity | 0.64% | 8.41% | -2.60% | 0.91% | 0.62% | 0.51% | 5.02% | 0.48% | -43 bps | |
| Net Interest Margin | 3.43% | 5.17% | 3.10% | 3.58% | 3.78% | 3.51% | 3.91% | 3.57% | -1 bps | |
| Efficiency Ratio | 96.34% | 68.29% | 116.21% | 90.99% | 93.69% | 94.72% | 68.55% | 83.77% | -721 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.03% | -6.82% | -7.10% | 1.54% | 1.13% | 3.92% | 4.73% | 2.99% | +145 bps | |
| Loan Growth (YoY) | -18.80% | -24.36% | -28.95% | -11.77% | -6.78% | -4.75% | 3.79% | -7.72% | +405 bps | |
| Share Growth (YoY) | -0.45% | -8.55% | -8.76% | 1.54% | 1.48% | 4.75% | 5.03% | 3.79% | +225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.22% | 10.32% | 9.20% | 3.89% | 8.03% | 11.39% | 5.62% | 6.74% | +285 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 | 0.22% | 0.14% | 0.16% | 0.25% | 0.28% | 0.44% | 0.59% | 0.46% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.09% | 21.32% | 20.91% | 20.40% | 20.90% | 20.65% | 20.41% | 19.85% | -55 bps | |
| Net Worth / Assets | 21.09% | 21.32% | 20.91% | 20.40% | 20.90% | 20.65% | 20.41% | 19.85% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.91% | 50.17% | 44.89% | 50.36% | 48.61% | 45.63% | 44.36% | 44.77% | -559 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |