Hallettsville, TX · Charter 3946
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 | 0.94% | 0.84% | 0.70% | 0.56% | 0.61% | 0.65% | 0.08% | 0.17% | -38 bps | |
| Return on Equity | 8.56% | 7.64% | 6.41% | 5.22% | 5.81% | 6.10% | 0.73% | 1.75% | -347 bps | |
| Net Interest Margin | 3.29% | 3.26% | 3.24% | 3.15% | 3.12% | 3.12% | 3.10% | 2.94% | -21 bps | |
| Efficiency Ratio | 73.29% | 74.53% | 76.85% | 80.98% | 78.37% | 77.54% | 84.32% | 86.64% | +566 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | 1.15% | 3.18% | 6.87% | 10.43% | 10.78% | 9.89% | 13.76% | +689 bps | |
| Loan Growth (YoY) | 1.52% | 0.81% | 3.10% | 4.43% | 5.44% | 3.17% | 2.14% | 1.71% | -272 bps | |
| Share Growth (YoY) | -1.50% | 0.34% | 2.62% | 6.96% | 10.91% | 11.32% | 10.38% | 14.80% | +784 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.60% | 0.13% | 0.21% | 0.21% | 0.56% | 0.02% | 0.01% | -20 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 | 11.01% | 11.02% | 10.89% | 10.65% | 10.57% | 10.60% | 10.40% | 9.80% | -85 bps | |
| Net Worth / Assets | 11.01% | 11.02% | 10.89% | 10.65% | 10.57% | 10.60% | 10.40% | 9.80% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.05% | 62.73% | 61.30% | 60.30% | 59.93% | 58.13% | 56.72% | 53.42% | -688 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |