Del Rio, TX · Charter 24304
NCUA · 5 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 | 1.97% | 1.89% | 1.41% | 1.66% | 1.61% | 1.58% | 1.23% | 1.58% | -8 bps | |
| Return on Equity | 11.73% | 10.87% | 8.45% | 9.56% | 9.13% | 8.87% | 7.07% | 8.84% | -72 bps | |
| Net Interest Margin | 4.21% | 4.31% | 4.27% | 4.41% | 4.45% | 4.47% | 4.40% | 4.46% | +5 bps | |
| Efficiency Ratio | 70.93% | 72.71% | 77.69% | 73.79% | 75.05% | 74.46% | 78.19% | 73.57% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.45% | 1.52% | 3.78% | 4.16% | 4.64% | 7.00% | 5.04% | 6.44% | +228 bps | |
| Loan Growth (YoY) | 8.55% | 6.46% | 5.34% | 7.10% | 7.24% | 8.13% | 8.69% | 7.40% | +30 bps | |
| Share Growth (YoY) | -0.02% | -0.45% | 3.51% | 3.65% | 3.20% | 7.02% | 4.38% | 5.75% | +210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.49% | 0.41% | 0.57% | 0.75% | 0.59% | 0.67% | 0.67% | +10 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 | 16.81% | 17.38% | 16.74% | 17.36% | 17.65% | 17.82% | 17.43% | 17.83% | +47 bps | |
| Net Worth / Assets | 16.81% | 17.38% | 16.74% | 17.36% | 17.65% | 17.82% | 17.43% | 17.83% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.63% | 80.01% | 74.67% | 78.50% | 80.66% | 80.84% | 77.75% | 79.73% | +122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |