Dallas, TX · Charter 24804
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 | -2.66% | -1.60% | 0.71% | 0.75% | 2.33% | 1.87% | 1.12% | 0.92% | +17 bps | |
| Return on Equity | -47.92% | -28.45% | 12.58% | 12.87% | 33.20% | 27.35% | 16.22% | 12.76% | -11 bps | |
| Net Interest Margin | 5.31% | 5.01% | 4.27% | 4.00% | 3.94% | 3.73% | 3.98% | 4.84% | +84 bps | |
| Efficiency Ratio | 73.60% | 75.64% | 88.98% | 87.68% | 69.40% | 75.82% | 90.93% | 84.20% | -347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.30% | -10.57% | -7.35% | -3.89% | 11.62% | 12.87% | 12.72% | 11.62% | +1,551 bps | |
| Loan Growth (YoY) | 21.08% | 13.87% | 17.78% | 6.25% | 1.93% | 6.16% | 5.25% | 3.70% | -255 bps | |
| Share Growth (YoY) | -8.16% | -9.66% | -7.22% | -2.47% | 11.47% | 10.18% | 12.47% | 12.61% | +1,508 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.95% | 0.05% | 0.00% | 0.15% | 0.00% | 0.00% | 0.78% | +78 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 | 2.29% | 2.33% | 2.27% | 1.83% | 1.77% | 1.64% | 1.54% | 1.52% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.55% | 5.62% | 5.62% | 5.86% | 7.01% | 6.85% | 6.93% | 7.22% | +136 bps | |
| Net Worth / Assets | 5.55% | 5.62% | 5.62% | 5.86% | 7.01% | 6.85% | 6.93% | 7.22% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.00% | 90.32% | 92.48% | 93.26% | 89.62% | 87.03% | 86.54% | 85.88% | -738 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |