Fort Worth, TX · Charter 577
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 | 0.37% | 0.30% | 1.10% | 0.82% | 0.37% | 0.12% | -3.28% | -1.80% | -262 bps | |
| Return on Equity | 2.93% | 2.41% | 8.72% | 6.08% | 2.83% | 0.97% | -27.35% | -14.68% | -2,077 bps | |
| Net Interest Margin | 3.46% | 3.48% | 3.74% | 4.06% | 4.07% | 4.04% | 4.10% | 4.29% | +24 bps | |
| Efficiency Ratio | 88.95% | 90.27% | 67.73% | 76.36% | 81.44% | 86.64% | 96.19% | 95.07% | +1,871 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.85% | 7.89% | 6.41% | -0.17% | -2.29% | -1.42% | -3.92% | -1.06% | -89 bps | |
| Loan Growth (YoY) | -6.75% | -6.46% | -4.15% | -0.19% | 6.01% | 5.56% | 0.44% | 0.43% | +63 bps | |
| Share Growth (YoY) | 6.85% | 8.12% | 6.56% | 0.50% | -3.09% | -1.42% | -2.72% | -0.46% | -96 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 0.97% | 1.36% | 1.05% | 1.50% | 2.67% | 1.66% | 0.77% | -28 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 | 12.77% | 12.57% | 12.63% | 13.49% | 13.23% | 12.74% | 12.01% | 12.24% | -124 bps | |
| Net Worth / Assets | 12.77% | 12.57% | 12.63% | 13.49% | 13.23% | 12.74% | 12.01% | 12.24% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.56% | 90.92% | 91.37% | 99.65% | 101.25% | 97.36% | 94.34% | 100.55% | +90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |