Deer Park, TX · Charter 60378
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.15% | 0.73% | 0.89% | 0.86% | 0.69% | 0.74% | 0.80% | -9 bps | |
| Return on Equity | 6.96% | 6.48% | 4.17% | 4.89% | 4.51% | 3.58% | 3.91% | 4.28% | -61 bps | |
| Net Interest Margin | 3.75% | 3.88% | 3.94% | 4.10% | 4.28% | 4.25% | 4.07% | 4.05% | -5 bps | |
| Efficiency Ratio | 72.47% | 73.74% | 76.37% | 75.98% | 76.66% | 79.28% | 80.96% | 77.40% | +142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.75% | -3.81% | -2.68% | -2.23% | -6.17% | -4.15% | -3.58% | 0.45% | +269 bps | |
| Loan Growth (YoY) | -4.61% | -4.50% | -0.46% | 2.19% | 3.81% | 5.98% | 1.73% | -2.25% | -444 bps | |
| Share Growth (YoY) | -7.99% | -5.67% | -4.53% | -3.94% | -8.93% | -5.84% | -5.11% | -0.24% | +370 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 1.08% | 0.49% | 0.52% | 0.43% | 0.58% | 0.57% | 0.44% | -8 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 | 17.15% | 17.69% | 17.55% | 18.27% | 19.15% | 19.12% | 18.84% | 18.78% | +52 bps | |
| Net Worth / Assets | 17.15% | 17.69% | 17.55% | 18.27% | 19.15% | 19.12% | 18.84% | 18.78% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.55% | 59.01% | 58.88% | 62.47% | 65.60% | 66.41% | 63.12% | 61.21% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |