Victoria, TX · Charter 3736
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 | -0.32% | -0.19% | 1.24% | 0.69% | 0.54% | 0.55% | 0.87% | 0.56% | -12 bps | |
| Return on Equity | -2.62% | -1.51% | 9.51% | 5.28% | 4.08% | 4.16% | 6.41% | 4.42% | -86 bps | |
| Net Interest Margin | 4.65% | 4.84% | 4.70% | 4.65% | 4.80% | 4.76% | 4.61% | 4.45% | -20 bps | |
| Efficiency Ratio | 95.49% | 95.80% | 81.94% | 89.96% | 91.52% | 90.87% | 93.83% | 95.12% | +516 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | 0.41% | -1.62% | -2.39% | -4.62% | -0.48% | 0.07% | 6.18% | +857 bps | |
| Loan Growth (YoY) | 11.65% | 10.42% | 1.24% | -2.11% | -0.23% | -0.37% | 5.25% | 2.00% | +412 bps | |
| Share Growth (YoY) | -0.34% | 0.04% | -2.75% | -3.54% | -6.14% | -1.50% | 0.47% | 7.85% | +1,139 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.50% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.54% | 0.44% | 0.37% | 0.36% | 0.36% | 0.11% | 0.07% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.26% | 12.65% | 13.06% | 13.05% | 13.32% | 13.27% | 13.52% | 12.77% | -28 bps | |
| Net Worth / Assets | 12.26% | 12.65% | 13.06% | 13.05% | 13.32% | 13.27% | 13.52% | 12.77% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.22% | 69.47% | 64.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |