Groves, TX · Charter 60205
NCUA · 5 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 | 0.36% | 0.38% | 0.14% | 0.31% | 0.16% | 0.28% | 0.35% | 0.53% | +22 bps | |
| Return on Equity | 3.39% | 3.57% | 1.34% | 2.96% | 1.58% | 2.79% | 3.54% | 5.29% | +233 bps | |
| Net Interest Margin | 2.91% | 2.97% | 3.02% | 3.16% | 3.25% | 3.17% | 3.39% | 3.54% | +38 bps | |
| Efficiency Ratio | 84.28% | 84.16% | 93.95% | 87.14% | 86.22% | 84.51% | 82.79% | 78.58% | -856 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.61% | -1.64% | 1.16% | 2.61% | 3.80% | 8.84% | 7.06% | 6.88% | +427 bps | |
| Loan Growth (YoY) | 3.09% | 3.40% | 5.29% | 5.57% | 4.67% | 9.17% | 12.72% | 14.52% | +895 bps | |
| Share Growth (YoY) | -3.00% | -1.21% | 0.60% | 2.32% | 3.56% | 7.91% | 6.28% | 6.44% | +411 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 1.37% | 1.33% | 1.33% | 0.24% | 0.43% | 0.37% | 0.45% | -88 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 | 10.56% | 10.70% | 10.23% | 10.33% | 10.23% | 9.95% | 9.80% | 9.98% | -35 bps | |
| Net Worth / Assets | 10.56% | 10.70% | 10.23% | 10.33% | 10.23% | 9.95% | 9.80% | 9.98% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.47% | 61.54% | 60.01% | 61.27% | 62.12% | 62.26% | 63.64% | 65.92% | +465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |