Fort Worth, TX · Charter 2158
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 | -1.08% | -0.78% | -3.03% | -2.23% | -0.57% | -0.44% | -1.65% | -1.95% | +28 bps | |
| Return on Equity | -5.53% | -3.89% | -15.30% | -10.86% | -2.79% | -2.05% | -7.21% | -8.14% | +272 bps | |
| Net Interest Margin | 4.84% | 5.08% | 4.52% | 4.69% | 4.61% | 4.73% | 4.43% | 4.60% | -9 bps | |
| Efficiency Ratio | 109.00% | 106.58% | 111.06% | 111.00% | 105.82% | 108.96% | 123.41% | 127.62% | +1,663 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.17% | -17.23% | -19.01% | -16.53% | -5.88% | -8.11% | -13.45% | -14.98% | +155 bps | |
| Loan Growth (YoY) | -11.70% | -22.36% | -27.18% | -28.50% | -26.32% | -28.31% | -20.31% | -25.98% | +252 bps | |
| Share Growth (YoY) | -23.46% | -19.25% | -21.57% | -18.59% | -9.09% | -12.20% | -18.01% | -18.44% | +16 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 1.04% | 3.80% | 4.10% | 1.72% | 0.67% | 1.85% | 3.05% | -105 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 | 1.24% | 1.38% | 3.44% | 3.79% | 2.31% | 1.76% | 2.14% | 2.83% | -96 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.56% | 20.08% | 19.81% | 20.57% | 20.41% | 21.41% | 22.88% | 24.02% | +345 bps | |
| Net Worth / Assets | 19.56% | 20.08% | 19.81% | 20.57% | 20.41% | 21.41% | 22.88% | 24.02% | +345 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.74% | 49.69% | 46.14% | 46.75% | 41.94% | 40.57% | 44.85% | 42.43% | -432 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |