El Paso, TX · Charter 24941
NCUA · 27 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 | 1.35% | 1.14% | 1.23% | 1.27% | 1.39% | 1.30% | 1.35% | 1.38% | +11 bps | |
| Return on Equity | 10.93% | 9.22% | 9.83% | 9.91% | 10.56% | 10.06% | 10.32% | 10.45% | +55 bps | |
| Net Interest Margin | 4.14% | 4.22% | 4.35% | 4.45% | 4.53% | 4.49% | 4.48% | 4.49% | +3 bps | |
| Efficiency Ratio | 64.14% | 67.06% | 61.87% | 61.77% | 60.70% | 61.61% | 62.74% | 62.17% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.07% | -1.80% | 0.55% | 1.19% | 1.97% | 5.39% | 5.45% | 7.20% | +601 bps | |
| Loan Growth (YoY) | 1.48% | 3.26% | 4.19% | 6.68% | 9.85% | 9.70% | 8.92% | 9.75% | +306 bps | |
| Share Growth (YoY) | -2.59% | -0.22% | 3.84% | 4.47% | 6.51% | 9.71% | 8.16% | 9.11% | +464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.12% | 1.07% | 1.05% | 1.13% | 1.30% | 0.99% | 1.00% | -6 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 | 12.36% | 12.39% | 12.48% | 12.81% | 13.19% | 12.97% | 13.07% | 13.22% | +41 bps | |
| Net Worth / Assets | 12.36% | 12.39% | 12.48% | 12.81% | 13.19% | 12.97% | 13.07% | 13.22% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.48% | 103.09% | 97.49% | 99.46% | 100.54% | 103.08% | 98.17% | 100.04% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |