Beaumont, TX · Charter 60409
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 | 0.77% | 0.40% | 1.09% | 0.33% | -0.02% | -0.93% | 1.58% | -0.73% | -106 bps | |
| Return on Equity | 2.95% | 1.55% | 4.36% | 1.29% | -0.09% | -3.60% | 6.87% | -3.29% | -458 bps | |
| Net Interest Margin | 3.18% | 3.06% | 2.35% | 2.33% | 2.38% | 2.57% | 2.36% | 2.25% | -8 bps | |
| Efficiency Ratio | 63.37% | 62.55% | 55.52% | 89.43% | 90.04% | 121.09% | 50.45% | 117.16% | +2,773 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.28% | -10.14% | -1.31% | -2.66% | 1.71% | -3.44% | 6.56% | 10.01% | +1,267 bps | |
| Loan Growth (YoY) | -14.88% | -20.35% | -22.94% | -27.43% | -11.26% | -1.45% | -2.64% | -8.74% | +1,870 bps | |
| Share Growth (YoY) | -15.48% | -13.52% | -2.16% | -3.07% | 2.62% | -4.30% | 9.79% | 14.78% | +1,785 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 0.16% | 0.08% | 0.00% | 1.70% | 2.01% | 1.99% | 4.97% | +497 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 | 0.40% | 0.15% | 0.16% | 0.11% | 0.63% | 0.96% | 0.72% | 1.36% | +125 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.99% | 25.89% | 25.11% | 25.46% | 25.21% | 25.88% | 22.94% | 22.28% | -318 bps | |
| Net Worth / Assets | 25.99% | 25.89% | 25.11% | 25.46% | 25.21% | 25.88% | 22.94% | 22.28% | -318 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.34% | 66.83% | 61.93% | 60.01% | 63.43% | 68.82% | 54.92% | 47.72% | -1,230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |