Texarkana, AR · Charter 24197
NCUA · 4 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 | 0.46% | 0.45% | 0.36% | 0.43% | 0.45% | 0.51% | 0.63% | 0.62% | +19 bps | |
| Return on Equity | 4.40% | 4.27% | 3.55% | 4.31% | 4.48% | 5.02% | 6.19% | 6.03% | +173 bps | |
| Net Interest Margin | 2.73% | 2.69% | 2.66% | 2.69% | 2.73% | 2.74% | 2.86% | 2.93% | +24 bps | |
| Efficiency Ratio | 85.33% | 85.16% | 88.22% | 86.58% | 86.87% | 84.59% | 82.16% | 82.26% | -432 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | 5.66% | 5.66% | 7.36% | 9.68% | 9.00% | 5.64% | 3.16% | -420 bps | |
| Loan Growth (YoY) | -1.29% | -0.33% | -0.92% | -2.18% | -0.61% | -0.45% | 0.79% | 2.23% | +441 bps | |
| Share Growth (YoY) | 0.04% | 6.24% | 6.30% | 8.16% | 10.27% | 9.36% | 5.60% | 2.71% | -545 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.17% | 0.19% | 0.11% | 0.01% | 0.08% | 0.04% | 0.13% | +1 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 | 10.53% | 10.44% | 10.09% | 10.00% | 10.04% | 10.08% | 10.13% | 10.30% | +30 bps | |
| Net Worth / Assets | 10.53% | 10.44% | 10.09% | 10.00% | 10.04% | 10.08% | 10.13% | 10.30% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.53% | 59.26% | 55.90% | 54.13% | 54.56% | 53.95% | 53.36% | 53.88% | -25 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |