Atlanta, TX · Charter 60491
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 | 0.42% | 0.16% | -0.07% | 0.44% | 0.47% | 0.59% | -0.32% | 0.02% | -42 bps | |
| Return on Equity | 2.37% | 0.88% | -0.37% | 2.25% | 2.36% | 2.92% | -1.55% | 0.11% | -214 bps | |
| Net Interest Margin | 4.72% | 4.98% | 4.90% | 5.18% | 5.26% | 5.18% | 4.38% | 4.61% | -57 bps | |
| Efficiency Ratio | 91.75% | 92.08% | 101.36% | 92.00% | 91.53% | 89.37% | 106.72% | 96.99% | +499 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.23% | -5.02% | -7.01% | -9.51% | -12.25% | -8.00% | -7.98% | -4.71% | +480 bps | |
| Loan Growth (YoY) | 0.18% | 2.99% | 3.64% | 7.14% | 3.70% | -2.75% | -10.52% | -16.24% | -2,338 bps | |
| Share Growth (YoY) | -2.13% | -8.78% | -8.77% | -11.76% | -15.08% | -7.88% | -10.24% | -6.09% | +567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.56% | 0.42% | 0.51% | 0.60% | 0.67% | 0.70% | 0.72% | +21 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 | 0.38% | 0.74% | 0.74% | 0.71% | 0.59% | 0.93% | 1.09% | 1.11% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.63% | 18.33% | 18.99% | 19.65% | 20.12% | 20.11% | 20.77% | 20.70% | +105 bps | |
| Net Worth / Assets | 17.63% | 18.33% | 18.99% | 19.65% | 20.12% | 20.11% | 20.77% | 20.70% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.24% | 91.01% | 93.19% | 101.05% | 101.64% | 96.08% | 92.89% | 90.13% | -1,092 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |