Dallas, TX · Charter 22157
NCUA · 3 branches
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 | 0.59% | 0.57% | 0.35% | 0.48% | 0.52% | 0.48% | 0.35% | 0.50% | +1 bps | |
| Return on Equity | 4.90% | 4.75% | 2.94% | 4.15% | 4.40% | 4.15% | 3.09% | 4.32% | +16 bps | |
| Net Interest Margin | 2.90% | 2.92% | 2.94% | 3.02% | 3.00% | 2.93% | 2.85% | 2.90% | -12 bps | |
| Efficiency Ratio | 72.36% | 72.06% | 76.10% | 72.51% | 71.74% | 72.47% | 74.91% | 72.34% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.38% | 2.94% | 4.86% | 3.76% | 4.08% | 5.87% | 6.50% | 4.42% | +66 bps | |
| Loan Growth (YoY) | -0.72% | -2.70% | -1.72% | 0.52% | 0.86% | 1.37% | 0.61% | -1.02% | -154 bps | |
| Share Growth (YoY) | 9.21% | 11.19% | 4.85% | 3.75% | 3.48% | 5.20% | 6.38% | 4.45% | +71 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.91% | 0.64% | 0.73% | 0.79% | 0.65% | 0.63% | 0.59% | -15 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 | 11.93% | 11.94% | 11.77% | 11.67% | 11.73% | 11.62% | 11.39% | 11.49% | -18 bps | |
| Net Worth / Assets | 11.93% | 11.94% | 11.77% | 11.67% | 11.73% | 11.62% | 11.39% | 11.49% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.56% | 83.52% | 81.49% | 82.40% | 81.45% | 80.48% | 77.07% | 78.08% | -432 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |