Killeen, TX · Charter 24532
NCUA · 1 branch
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 | 1.60% | 1.61% | 1.45% | 1.55% | 1.83% | 1.94% | 1.68% | 1.59% | +4 bps | |
| Return on Equity | 15.30% | 14.93% | 12.77% | 13.95% | 14.31% | 14.60% | 12.33% | 12.75% | -119 bps | |
| Net Interest Margin | 4.26% | 4.24% | 4.33% | 4.12% | 4.64% | 4.67% | 4.62% | 4.24% | +12 bps | |
| Efficiency Ratio | 67.40% | 66.95% | 65.84% | 64.87% | 64.51% | 63.57% | 68.03% | 65.03% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.46% | -6.55% | 3.41% | 7.86% | -4.37% | -4.86% | -3.02% | 3.84% | -402 bps | |
| Loan Growth (YoY) | -0.49% | -14.03% | 0.86% | 0.80% | -2.47% | 5.24% | -3.70% | 1.86% | +105 bps | |
| Share Growth (YoY) | -5.46% | -4.62% | 2.81% | 4.37% | -5.21% | -7.23% | -5.70% | 4.98% | +62 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.31% | 1.55% | 1.32% | 1.47% | 1.56% | 0.08% | 0.33% | 1.69% | +21 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 | 0.35% | 0.17% | 0.28% | 0.29% | 0.30% | 0.30% | 0.31% | 0.29% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.49% | 10.79% | 11.32% | 11.14% | 12.79% | 13.28% | 13.65% | 12.48% | +134 bps | |
| Net Worth / Assets | 10.49% | 10.79% | 11.32% | 11.14% | 12.79% | 13.28% | 13.65% | 12.48% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.86% | 70.94% | 75.77% | 75.56% | 80.11% | 80.48% | 77.38% | 73.31% | -225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |