Skellytown, TX · Charter 60396
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.85% | 0.90% | 0.33% | 0.54% | -5 bps | |
| Return on Equity | 2.76% | 3.94% | 4.24% | 1.57% | 2.52% | -24 bps | |
| Net Interest Margin | 3.24% | 3.30% | 3.24% | 3.20% | 3.24% | 0 bps | |
| Efficiency Ratio | 81.84% | 79.87% | 78.38% | 90.74% | 83.51% | +167 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.64% | 4.01% | 6.59% | 4.53% | 3.59% | +195 bps | |
| Loan Growth (YoY) | -8.09% | -0.51% | -4.82% | -15.99% | -10.56% | -247 bps | |
| Share Growth (YoY) | 1.61% | 4.09% | 7.23% | 4.63% | 3.39% | +178 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.91% | 1.23% | 0.73% | 0.70% | 0.64% | -127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.25% | 0.16% | 0.16% | 0.19% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.33% | 21.58% | 21.12% | 21.14% | 21.47% | +15 bps | |
| Net Worth / Assets | 21.33% | 21.58% | 21.12% | 21.14% | 21.47% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.22% | 67.24% | 61.52% | 55.23% | 54.68% | -853 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |