Carrollton, TX · Charter 21788
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 | 0.55% | 4.85% | 0.43% | 0.46% | 0.58% | 0.73% | 0.21% | 0.40% | -6 bps | |
| Return on Equity | 8.46% | 44.92% | 4.20% | 4.37% | 5.55% | 6.87% | 1.93% | 3.92% | -45 bps | |
| Net Interest Margin | 4.32% | 4.27% | 3.94% | 4.31% | 4.34% | 4.29% | 4.42% | 4.12% | -20 bps | |
| Efficiency Ratio | 83.26% | 45.26% | 90.54% | 90.48% | 88.36% | 85.81% | 91.41% | 89.23% | -125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.14% | -3.11% | 3.31% | 10.82% | 8.78% | 9.64% | -0.10% | 11.68% | +87 bps | |
| Loan Growth (YoY) | -16.80% | -20.06% | -13.49% | -8.09% | -1.93% | 2.55% | 0.44% | 2.44% | +1,052 bps | |
| Share Growth (YoY) | -5.05% | -7.80% | -1.03% | 6.57% | 4.21% | 9.27% | -0.93% | 11.60% | +502 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 0.89% | 0.37% | 0.12% | 0.30% | 0.23% | 1.11% | 0.41% | +29 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 | 6.45% | 10.80% | 10.18% | 10.56% | 10.51% | 10.58% | 10.88% | 10.13% | -43 bps | |
| Net Worth / Assets | 6.45% | 10.80% | 10.18% | 10.56% | 10.51% | 10.58% | 10.88% | 10.13% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.65% | 64.26% | 60.13% | 62.94% | 61.78% | 60.30% | 60.97% | 57.77% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |