Brownsville, TX · Charter 20392
NCUA · 1 branch
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 | 1.95% | 2.02% | 1.91% | 1.16% | 1.07% | 1.12% | 0.27% | 0.32% | -84 bps | |
| Return on Equity | 6.67% | 6.63% | 6.46% | 3.91% | 3.45% | 3.38% | 0.84% | 1.00% | -291 bps | |
| Net Interest Margin | 5.30% | 5.45% | 5.45% | 4.94% | 5.06% | 5.31% | 4.60% | 4.54% | -40 bps | |
| Efficiency Ratio | 63.68% | 63.14% | 65.07% | 74.47% | 74.31% | 72.92% | 81.13% | 83.31% | +884 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.03% | -1.36% | 1.33% | 3.57% | -1.18% | -4.59% | -5.56% | -4.85% | -842 bps | |
| Loan Growth (YoY) | -10.74% | -14.61% | -14.12% | -13.75% | -13.64% | -15.62% | -15.31% | -20.88% | -713 bps | |
| Share Growth (YoY) | -5.97% | -5.24% | -0.92% | 2.66% | -3.61% | -8.27% | -8.95% | -8.04% | -1,070 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.61% | 0.89% | 1.84% | 0.85% | 0.44% | 0.77% | 0.40% | -144 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 | 0.79% | 0.77% | 0.78% | 0.79% | 0.78% | 0.82% | 0.88% | 0.92% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.27% | 30.52% | 29.57% | 29.79% | 30.93% | 33.11% | 32.04% | 31.93% | +214 bps | |
| Net Worth / Assets | 29.27% | 30.52% | 29.57% | 29.79% | 30.93% | 33.11% | 32.04% | 31.93% | +214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.74% | 62.07% | 55.78% | 54.29% | 54.42% | 57.09% | 51.88% | 46.71% | -758 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |