Dallas, TX · Charter 6304
NCUA · 1 branch
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 | 0.96% | 0.87% | 0.78% | -0.16% | -0.66% | -162 bps | |
| Return on Equity | 6.38% | 5.44% | 4.78% | -0.96% | -4.14% | -1,051 bps | |
| Net Interest Margin | 5.03% | 5.25% | 5.31% | 4.79% | 4.67% | -37 bps | |
| Efficiency Ratio | 79.08% | 82.28% | 82.58% | 99.40% | 99.11% | +2,003 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.84% | -9.27% | -11.72% | -8.49% | -6.88% | -203 bps | |
| Loan Growth (YoY) | -16.89% | -19.48% | -24.80% | -23.83% | -24.92% | -804 bps | |
| Share Growth (YoY) | -5.77% | -11.35% | -13.46% | -10.90% | -10.45% | -468 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.47% | 0.71% | 1.12% | 0.34% | +26 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 | 15.06% | 15.96% | 16.32% | 16.53% | 15.93% | +87 bps | |
| Net Worth / Assets | 15.06% | 15.96% | 16.32% | 16.53% | 15.93% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.95% | 65.81% | 62.06% | 60.05% | 54.45% | -1,050 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |