Paris, TX · Charter 21904
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 | 1.80% | 1.79% | 0.96% | 1.10% | 1.21% | 1.17% | 1.10% | 1.07% | -3 bps | |
| Return on Equity | 5.92% | 5.63% | 3.00% | 3.48% | 3.75% | 3.57% | 3.36% | 3.27% | -20 bps | |
| Net Interest Margin | 4.89% | 4.99% | 4.56% | 4.47% | 4.52% | 4.52% | 4.15% | 4.06% | -40 bps | |
| Efficiency Ratio | 62.23% | 63.82% | 66.12% | 72.20% | 71.27% | 72.91% | 73.97% | 75.98% | +378 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.76% | -9.21% | -11.44% | -7.13% | -1.84% | 0.57% | 1.15% | 0.28% | +740 bps | |
| Loan Growth (YoY) | 5.53% | -1.20% | -8.69% | -7.17% | -2.37% | -0.70% | -2.34% | -6.65% | +52 bps | |
| Share Growth (YoY) | -4.73% | -14.87% | -17.57% | -11.77% | -4.49% | -0.96% | -0.18% | -1.26% | +1,052 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.27% | 0.26% | 0.00% | 0.01% | 0.03% | 0.00% | 0.08% | +8 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 | 30.46% | 31.76% | 32.05% | 31.72% | 32.30% | 32.73% | 32.87% | 32.74% | +103 bps | |
| Net Worth / Assets | 30.46% | 31.76% | 32.05% | 31.72% | 32.30% | 32.73% | 32.87% | 32.74% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.15% | 36.41% | 35.28% | 33.54% | 35.93% | 36.51% | 34.51% | 31.70% | -183 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |