Texarkana, TX · Charter 21383
NCUA · 4 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 | 1.29% | 0.50% | 0.77% | 1.13% | 1.40% | 1.38% | 2.03% | 1.95% | +83 bps | |
| Return on Equity | 7.90% | 3.12% | 4.80% | 6.83% | 8.19% | 7.94% | 11.77% | 11.14% | +431 bps | |
| Net Interest Margin | 3.89% | 3.75% | 3.68% | 3.84% | 4.09% | 4.17% | 3.94% | 3.97% | +13 bps | |
| Efficiency Ratio | 74.62% | 88.15% | 78.05% | 74.45% | 72.23% | 72.00% | 66.52% | 65.50% | -896 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.67% | -0.08% | -1.61% | -1.69% | -0.86% | 0.53% | 3.01% | 4.47% | +616 bps | |
| Loan Growth (YoY) | -4.64% | -4.08% | -3.11% | -4.81% | -4.41% | 0.87% | 2.63% | 11.13% | +1,594 bps | |
| Share Growth (YoY) | -0.31% | 0.02% | -1.81% | -1.85% | -1.59% | -1.18% | 1.59% | 3.04% | +488 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.58% | 0.19% | 0.45% | 0.21% | 0.16% | 0.06% | 0.35% | -10 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 | 16.38% | 16.03% | 16.07% | 16.49% | 17.09% | 17.33% | 17.26% | 17.53% | +105 bps | |
| Net Worth / Assets | 16.38% | 16.03% | 16.07% | 16.49% | 17.09% | 17.33% | 17.26% | 17.53% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.43% | 52.21% | 50.87% | 50.01% | 50.93% | 53.29% | 51.39% | 53.94% | +393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |