Richardson, TX · Charter 60806
NCUA · 11 branches
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 | 0.89% | 0.93% | 0.96% | 1.02% | 1.00% | 0.98% | 0.87% | 0.84% | -18 bps | |
| Return on Equity | 8.33% | 8.59% | 9.07% | 9.36% | 9.16% | 9.03% | 8.15% | 7.59% | -178 bps | |
| Net Interest Margin | 2.75% | 2.81% | 3.17% | 3.26% | 3.21% | 3.12% | 2.99% | 3.16% | -10 bps | |
| Efficiency Ratio | 68.94% | 67.97% | 67.20% | 66.58% | 67.07% | 67.11% | 68.58% | 69.85% | +327 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 2.19% | 3.06% | 5.72% | 7.79% | 9.92% | 11.04% | 10.27% | +454 bps | |
| Loan Growth (YoY) | 8.30% | 9.80% | 14.38% | 12.24% | 11.17% | 8.96% | 9.68% | 9.34% | -290 bps | |
| Share Growth (YoY) | 3.32% | 0.79% | 1.55% | 4.61% | 7.07% | 9.17% | 10.49% | 9.92% | +531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.44% | 0.36% | 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 | 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 | 10.73% | 10.86% | 10.62% | 10.94% | 10.94% | 10.84% | 10.68% | 11.07% | +13 bps | |
| Net Worth / Assets | 10.73% | 10.86% | 10.62% | 10.94% | 10.94% | 10.84% | 10.68% | 11.07% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.54% | 77.49% | 77.44% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |