Nacogdoches, TX · Charter 62446
NCUA · 5 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 | 0.14% | 0.37% | 0.46% | 1.30% | 0.59% | +44 bps | |
| Return on Equity | 1.13% | 2.86% | 3.38% | 9.55% | 4.34% | +321 bps | |
| Net Interest Margin | 4.37% | 4.47% | 4.57% | 4.50% | 4.59% | +21 bps | |
| Efficiency Ratio | 90.82% | 88.28% | 88.29% | 84.79% | 86.85% | -397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.51% | -1.88% | -1.59% | -2.55% | -0.49% | +202 bps | |
| Loan Growth (YoY) | 0.11% | -2.55% | -2.99% | -3.17% | 8.39% | +828 bps | |
| Share Growth (YoY) | -2.33% | -2.53% | -1.62% | -3.66% | -0.80% | +153 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.23% | 0.58% | 0.61% | 0.62% | +18 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 | 12.81% | 13.12% | 13.53% | 13.61% | 13.54% | +73 bps | |
| Net Worth / Assets | 12.81% | 13.12% | 13.53% | 13.61% | 13.54% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.01% | 80.00% | 81.10% | 80.25% | 88.52% | +751 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |