Richardson, TX · Charter 60806
NCUA · 11 branches
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 | 1.02% | 1.00% | 0.98% | 0.87% | 0.84% | -18 bps | |
| Return on Equity | 9.36% | 9.16% | 9.03% | 8.15% | 7.59% | -178 bps | |
| Net Interest Margin | 3.26% | 3.21% | 3.12% | 2.99% | 3.16% | -10 bps | |
| Efficiency Ratio | 66.58% | 67.07% | 67.11% | 68.58% | 69.85% | +327 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.72% | 7.79% | 9.92% | 11.04% | 10.27% | +454 bps | |
| Loan Growth (YoY) | 12.24% | 11.17% | 8.96% | 9.68% | 9.34% | -290 bps | |
| Share Growth (YoY) | 4.61% | 7.07% | 9.17% | 10.49% | 9.92% | +531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.45% | 0.68% | 0.62% | 0.69% | +32 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.94% | 10.94% | 10.84% | 10.68% | 11.07% | +13 bps | |
| Net Worth / Assets | 10.94% | 10.94% | 10.84% | 10.68% | 11.07% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.01% | 79.47% | 77.34% | 76.87% | 79.58% | -42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |