Texas City, TX · Charter 2441
NCUA · 12 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 | 0.60% | 0.55% | 0.38% | 0.71% | 0.80% | 0.72% | 0.30% | 0.36% | -35 bps | |
| Return on Equity | 6.64% | 6.03% | 4.34% | 7.75% | 8.65% | 7.88% | 3.32% | 3.88% | -386 bps | |
| Net Interest Margin | 3.59% | 3.64% | 3.58% | 3.69% | 3.71% | 3.61% | 3.18% | 3.38% | -31 bps | |
| Efficiency Ratio | 77.77% | 78.13% | 79.23% | 75.10% | 74.68% | 75.12% | 83.71% | 82.35% | +726 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.22% | -3.29% | 0.17% | 2.05% | 3.32% | 6.52% | 5.20% | 5.22% | +317 bps | |
| Loan Growth (YoY) | -10.58% | -3.55% | 3.62% | 3.69% | 6.28% | 2.97% | 2.91% | 4.32% | +63 bps | |
| Share Growth (YoY) | -4.98% | -3.43% | 0.23% | 2.45% | 3.62% | 7.17% | 5.66% | 5.90% | +346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.87% | 0.70% | 0.63% | 0.74% | 0.72% | 0.48% | 0.93% | +30 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 | 8.98% | 9.10% | 8.85% | 9.16% | 9.27% | 9.14% | 9.04% | 9.20% | +4 bps | |
| Net Worth / Assets | 8.98% | 9.10% | 8.85% | 9.16% | 9.27% | 9.14% | 9.04% | 9.20% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.59% | 95.04% | 92.38% | 94.58% | 93.94% | 91.32% | 89.97% | 93.16% | -141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |