Richardson, TX · Charter 6012
NCUA · 2 branches
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 | -0.23% | -0.17% | -0.20% | -0.09% | -0.09% | -0.02% | 0.22% | 0.20% | +29 bps | |
| Return on Equity | -1.25% | -0.89% | -1.13% | -0.51% | -0.48% | -0.13% | 1.21% | 1.09% | +161 bps | |
| Net Interest Margin | 2.41% | 2.64% | 2.09% | 1.45% | 2.42% | 2.51% | 2.69% | 2.97% | +152 bps | |
| Efficiency Ratio | 95.44% | 93.33% | 101.60% | 98.02% | 97.18% | 95.75% | 89.74% | 87.05% | -1,097 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | -2.53% | -0.63% | -1.08% | 0.72% | 0.04% | -0.70% | -2.13% | -106 bps | |
| Loan Growth (YoY) | -0.45% | -3.70% | -9.51% | -7.97% | -8.74% | -10.46% | -9.57% | -9.51% | -154 bps | |
| Share Growth (YoY) | -0.23% | -2.80% | 0.02% | -1.71% | 0.74% | 1.03% | -1.00% | -1.71% | 0 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.77% | 0.60% | 0.89% | 1.19% | 1.36% | 1.23% | 1.91% | +102 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 | 18.59% | 18.69% | 17.76% | 18.12% | 18.27% | 18.51% | 17.82% | 18.45% | +33 bps | |
| Net Worth / Assets | 18.59% | 18.69% | 17.76% | 18.12% | 18.27% | 18.51% | 17.82% | 18.45% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.75% | 68.27% | 61.31% | 62.56% | 61.38% | 60.50% | 56.00% | 57.59% | -497 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 97.00% | 0.00% | 99.47% | 0.00% | 97.30% | 0.00% | 0 bps | |