Skellytown, TX · Charter 60396
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 | -0.07% | 0.07% | 0.47% | 0.59% | 0.85% | 0.90% | 0.33% | 0.54% | -5 bps | |
| Return on Equity | -0.34% | 0.31% | 2.21% | 2.76% | 3.94% | 4.24% | 1.57% | 2.52% | -24 bps | |
| Net Interest Margin | 2.70% | 2.78% | 3.17% | 3.24% | 3.30% | 3.24% | 3.20% | 3.24% | 0 bps | |
| Efficiency Ratio | 98.65% | 95.35% | 86.66% | 81.84% | 79.87% | 78.38% | 90.74% | 83.51% | +167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.74% | -0.95% | 1.28% | 1.64% | 4.01% | 6.59% | 4.53% | 3.59% | +195 bps | |
| Loan Growth (YoY) | -8.06% | -4.24% | -2.69% | -8.09% | -0.51% | -4.82% | -15.99% | -10.56% | -247 bps | |
| Share Growth (YoY) | -4.18% | -1.32% | 1.29% | 1.61% | 4.09% | 7.23% | 4.63% | 3.39% | +178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 1.56% | 1.52% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.47% | 0.45% | 0.53% | 0.25% | 0.16% | 0.16% | 0.19% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.66% | 21.56% | 21.19% | 21.33% | 21.58% | 21.12% | 21.14% | 21.47% | +15 bps | |
| Net Worth / Assets | 21.66% | 21.56% | 21.19% | 21.33% | 21.58% | 21.12% | 21.14% | 21.47% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.35% | 69.31% | 68.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |