Vidor, TX · Charter 21368
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 | 0.08% | 0.13% | 0.39% | 0.39% | 0.57% | 0.64% | 0.47% | 0.45% | +6 bps | |
| Return on Equity | 0.49% | 0.81% | 2.56% | 2.58% | 3.66% | 4.05% | 2.99% | 2.85% | +26 bps | |
| Net Interest Margin | 2.11% | 2.06% | 2.46% | 2.45% | 2.58% | 2.62% | 2.78% | 2.65% | +21 bps | |
| Efficiency Ratio | 96.37% | 93.96% | 81.30% | 82.59% | 77.12% | 74.96% | 83.10% | 83.16% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.68% | -0.30% | 7.19% | 6.63% | 4.73% | 2.00% | -0.07% | -0.01% | -663 bps | |
| Loan Growth (YoY) | -7.69% | -9.16% | -11.40% | -4.39% | 1.73% | 4.33% | 4.21% | 8.47% | +1,286 bps | |
| Share Growth (YoY) | -6.43% | -0.50% | 8.17% | 7.38% | 5.00% | 1.60% | -0.86% | -0.79% | -817 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.16% | 0.17% | 0.21% | 0.18% | 0.18% | 0.17% | 0.18% | 0.16% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.75% | 15.48% | 15.10% | 15.15% | 15.54% | 15.82% | 15.76% | 15.81% | +66 bps | |
| Net Worth / Assets | 15.75% | 15.48% | 15.10% | 15.15% | 15.54% | 15.82% | 15.76% | 15.81% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.42% | 81.55% | 76.37% | 80.81% | 80.82% | 83.75% | 80.27% | 88.35% | +754 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |