Victoria, TX · Charter 3736
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.54% | 0.55% | 0.87% | 0.56% | -12 bps | |
| Return on Equity | 5.28% | 4.08% | 4.16% | 6.41% | 4.42% | -86 bps | |
| Net Interest Margin | 4.65% | 4.80% | 4.76% | 4.61% | 4.45% | -20 bps | |
| Efficiency Ratio | 89.96% | 91.52% | 90.87% | 93.83% | 95.12% | +516 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.39% | -4.62% | -0.48% | 0.07% | 6.18% | +857 bps | |
| Loan Growth (YoY) | -2.11% | -0.23% | -0.37% | 5.25% | 2.00% | +412 bps | |
| Share Growth (YoY) | -3.54% | -6.14% | -1.50% | 0.47% | 7.85% | +1,139 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.00% | 2.35% | 2.41% | 0.04% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.36% | 0.36% | 0.11% | 0.07% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.05% | 13.32% | 13.27% | 13.52% | 12.77% | -28 bps | |
| Net Worth / Assets | 13.05% | 13.32% | 13.27% | 13.52% | 12.77% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.31% | 70.39% | 70.27% | 67.09% | 62.71% | -360 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |