Allen, TX · Charter 66327
NCUA · 26 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 | 0.26% | 0.37% | -0.11% | 0.26% | 0.45% | 0.36% | 0.03% | 0.05% | -20 bps | |
| Return on Equity | 3.11% | 4.30% | -1.38% | 3.04% | 5.34% | 4.37% | 0.42% | 0.67% | -237 bps | |
| Net Interest Margin | 3.02% | 3.14% | 3.14% | 3.17% | 3.13% | 3.07% | 3.09% | 3.19% | +2 bps | |
| Efficiency Ratio | 84.89% | 81.52% | 88.16% | 84.16% | 80.00% | 78.19% | 86.61% | 87.71% | +356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.85% | 1.56% | 3.06% | -0.53% | 0.34% | 5.50% | 3.60% | 0.52% | +106 bps | |
| Loan Growth (YoY) | -2.96% | -5.12% | -4.23% | -6.67% | -2.64% | -1.03% | 1.60% | -3.98% | +269 bps | |
| Share Growth (YoY) | 4.63% | 4.64% | 5.24% | 6.57% | 5.68% | 8.28% | 4.86% | 3.85% | -272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.51% | 1.30% | 1.52% | 1.65% | 1.75% | 1.47% | 1.59% | +7 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 | 8.22% | 8.57% | 8.26% | 8.40% | 8.48% | 8.29% | 8.18% | 8.13% | -27 bps | |
| Net Worth / Assets | 8.22% | 8.57% | 8.26% | 8.40% | 8.48% | 8.29% | 8.18% | 8.13% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.35% | 99.30% | 98.24% | 94.64% | 93.37% | 90.76% | 95.19% | 87.50% | -714 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.76% | 0.00% | 0.00% | 98.90% | 0.00% | 0.00% | 0 bps | |