Premont, TX · Charter 5935
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 | -2.46% | 0.16% | 0.28% | 0.90% | -1.10% | -1.30% | -4.65% | -4.74% | -564 bps | |
| Return on Equity | -14.43% | 0.96% | 1.73% | 5.84% | -7.34% | -8.83% | -31.36% | -31.86% | -3,771 bps | |
| Net Interest Margin | 4.52% | 4.26% | 3.35% | 3.62% | 3.75% | 3.78% | 3.67% | 3.84% | +23 bps | |
| Efficiency Ratio | 77.18% | 70.47% | 93.80% | 79.94% | 78.59% | 81.11% | 101.25% | 89.04% | +909 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.59% | 6.60% | 11.65% | 4.12% | 2.85% | -1.88% | -9.41% | -10.07% | -1,419 bps | |
| Loan Growth (YoY) | -6.90% | -13.77% | -11.48% | -11.40% | -9.30% | -10.17% | -13.99% | -16.22% | -481 bps | |
| Share Growth (YoY) | 7.72% | 10.96% | 17.88% | 5.47% | 2.71% | -2.24% | -9.85% | -9.22% | -1,469 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.11% | 3.01% | 3.08% | 4.49% | 4.58% | 5.81% | 5.71% | 6.70% | +221 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 | 17.06% | 17.12% | 16.43% | 15.39% | 15.03% | 14.77% | 14.84% | 14.86% | -53 bps | |
| Net Worth / Assets | 17.06% | 17.12% | 16.43% | 15.39% | 15.03% | 14.77% | 14.84% | 14.86% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.16% | 83.97% | 80.45% | 82.56% | 79.62% | 77.16% | 76.75% | 76.20% | -636 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |