La Porte, TX · Charter 6062
NCUA · 4 branches
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 | 0.31% | 0.25% | 1.18% | 0.88% | 0.79% | 0.69% | 0.06% | 0.27% | -61 bps | |
| Return on Equity | 3.89% | 3.12% | 14.57% | 10.42% | 9.02% | 7.89% | 0.74% | 3.17% | -725 bps | |
| Net Interest Margin | 2.93% | 2.98% | 3.24% | 3.40% | 3.51% | 3.49% | 3.41% | 3.39% | -1 bps | |
| Efficiency Ratio | 89.55% | 90.75% | 75.66% | 80.77% | 82.74% | 83.79% | 93.53% | 90.88% | +1,011 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.32% | 3.58% | 3.40% | 1.35% | -1.73% | -0.77% | -0.46% | 5.16% | +381 bps | |
| Loan Growth (YoY) | -2.27% | -2.38% | -5.51% | -4.25% | -5.81% | -9.23% | -4.84% | -5.12% | -87 bps | |
| Share Growth (YoY) | 2.61% | 3.14% | 2.10% | -0.34% | -3.18% | -2.54% | -1.37% | 5.02% | +537 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.30% | 0.16% | 0.34% | 0.40% | 0.74% | 0.23% | 0.41% | +7 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 | 8.01% | 8.02% | 8.07% | 8.44% | 8.76% | 8.78% | 8.51% | 8.41% | -3 bps | |
| Net Worth / Assets | 8.01% | 8.02% | 8.07% | 8.44% | 8.76% | 8.78% | 8.51% | 8.41% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.31% | 55.83% | 52.56% | 55.30% | 54.78% | 52.00% | 50.71% | 49.96% | -534 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |