Beaumont, TX · Charter 24470
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | -0.33% | 0.17% | 0.68% | 0.72% | +136 bps | |
| Return on Equity | -7.88% | -3.91% | 1.94% | 7.71% | 7.90% | +1,578 bps | |
| Net Interest Margin | 3.27% | 3.35% | 3.39% | 3.58% | 3.68% | +41 bps | |
| Efficiency Ratio | 85.58% | 83.28% | 83.54% | 78.69% | 76.74% | -884 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.10% | -5.19% | -2.52% | -1.96% | -2.53% | +157 bps | |
| Loan Growth (YoY) | -6.97% | -5.15% | -4.22% | -3.74% | 1.14% | +812 bps | |
| Share Growth (YoY) | 3.90% | 1.74% | 0.88% | -3.78% | -4.88% | -878 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.57% | 0.74% | 0.54% | 0.62% | -4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.13% | 8.32% | 8.74% | 8.82% | 9.11% | +98 bps | |
| Net Worth / Assets | 8.13% | 8.32% | 8.74% | 8.82% | 9.11% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.82% | 66.49% | 66.74% | 65.38% | 68.93% | +411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |