Brownwood, TX · Charter 24454
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.51% | 0.58% | 0.69% | 0.73% | 0.81% | 1.00% | 0.89% | +21 bps | |
| Return on Equity | 6.03% | 6.14% | 7.03% | 8.19% | 8.60% | 9.30% | 11.25% | 9.70% | +151 bps | |
| Net Interest Margin | 3.98% | 4.02% | 4.11% | 4.27% | 4.30% | 4.38% | 4.46% | 4.56% | +28 bps | |
| Efficiency Ratio | 91.80% | 90.56% | 87.99% | 86.58% | 86.81% | 85.70% | 83.99% | 85.97% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.55% | -0.09% | 3.39% | 4.42% | 4.72% | 4.45% | 3.31% | 1.16% | -326 bps | |
| Loan Growth (YoY) | 2.77% | 3.70% | 5.44% | 2.87% | 4.46% | 6.49% | 6.16% | 3.55% | +68 bps | |
| Share Growth (YoY) | -2.78% | -0.85% | 2.53% | 3.82% | 4.29% | 3.85% | 4.81% | 3.25% | -57 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.13% | 0.40% | 0.28% | 1.17% | 0.28% | 1.05% | 0.90% | +62 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 | 8.12% | 8.28% | 8.23% | 8.38% | 8.44% | 8.73% | 8.88% | 9.20% | +83 bps | |
| Net Worth / Assets | 8.12% | 8.28% | 8.23% | 8.38% | 8.44% | 8.73% | 8.88% | 9.20% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.13% | 61.76% | 61.45% | 62.41% | 62.23% | 63.33% | 62.24% | 62.59% | +18 bps | |
| Liquid Assets / Assets | 99.33% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |