Sweeny, TX · Charter 6175
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.87% | 2.16% | 1.94% | 1.88% | 2.07% | +20 bps | |
| Return on Equity | 9.42% | 10.81% | 9.62% | 9.53% | 10.06% | +64 bps | |
| Net Interest Margin | 4.89% | 5.09% | 5.10% | 4.48% | 4.64% | -25 bps | |
| Efficiency Ratio | 69.31% | 67.21% | 70.89% | 69.24% | 67.70% | -161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.62% | -0.34% | 1.34% | -1.67% | 1.06% | +168 bps | |
| Loan Growth (YoY) | 0.94% | 0.80% | 0.79% | -2.10% | -4.01% | -495 bps | |
| Share Growth (YoY) | -4.11% | -1.34% | -0.60% | -1.93% | -0.33% | +378 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.08% | 0.16% | 0.17% | 0.24% | -15 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 | 19.83% | 19.98% | 20.15% | 19.76% | 20.52% | +69 bps | |
| Net Worth / Assets | 19.83% | 19.98% | 20.15% | 19.76% | 20.52% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.54% | 48.95% | 50.71% | 45.22% | 46.74% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |