Harlingen, TX · Charter 61734
NCUA · 5 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 | 1.45% | 1.15% | 0.57% | 0.87% | 0.94% | 1.08% | 0.90% | 0.83% | -3 bps | |
| Return on Equity | 13.98% | 10.97% | 5.71% | 8.71% | 9.56% | 10.35% | 8.77% | 7.90% | -81 bps | |
| Net Interest Margin | 3.37% | 3.45% | 3.31% | 3.30% | 3.22% | 3.34% | 3.20% | 3.32% | +2 bps | |
| Efficiency Ratio | 70.24% | 74.50% | 80.88% | 76.78% | 74.84% | 74.06% | 75.64% | 76.95% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.73% | 3.75% | 6.23% | 10.23% | 13.43% | 12.43% | 9.69% | 4.76% | -547 bps | |
| Loan Growth (YoY) | -7.96% | -9.36% | -11.37% | -12.98% | -13.71% | -15.09% | -11.21% | -7.79% | +519 bps | |
| Share Growth (YoY) | 1.06% | 3.78% | 6.51% | 11.19% | 14.67% | 13.06% | 9.70% | 3.86% | -733 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.25% | 0.22% | 0.22% | 0.39% | 0.53% | 0.48% | 0.42% | +20 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 | 10.33% | 10.50% | 10.02% | 9.94% | 9.87% | 10.42% | 10.27% | 10.54% | +60 bps | |
| Net Worth / Assets | 10.33% | 10.50% | 10.02% | 9.94% | 9.87% | 10.42% | 10.27% | 10.54% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.82% | 56.39% | 49.35% | 44.16% | 44.26% | 42.35% | 39.94% | 39.21% | -495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |