Longview, TX · Charter 66351
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 | -0.05% | 0.01% | -2.12% | -1.00% | -1.40% | -2.15% | -1.09% | -0.44% | +56 bps | |
| Return on Equity | -0.50% | 0.08% | -22.21% | -10.37% | -14.78% | -24.21% | -12.35% | -4.76% | +561 bps | |
| Net Interest Margin | 3.54% | 3.53% | 3.37% | 3.43% | 3.65% | 3.95% | 3.79% | 4.11% | +67 bps | |
| Efficiency Ratio | 85.18% | 83.38% | 85.72% | 88.60% | 91.52% | 88.18% | 92.82% | 86.00% | -261 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 2.71% | 2.91% | 7.12% | 4.34% | -2.04% | -7.79% | -13.77% | -2,088 bps | |
| Loan Growth (YoY) | 6.61% | 3.45% | 4.00% | 4.35% | 1.53% | 0.14% | -5.22% | -8.44% | -1,279 bps | |
| Share Growth (YoY) | 1.38% | 0.38% | 2.24% | 6.69% | 3.53% | -2.07% | -7.29% | -11.11% | -1,780 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.32% | 2.27% | 0.86% | 0.93% | 1.82% | 0.60% | 0.40% | 0.31% | -62 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 | 11.06% | 10.97% | 9.54% | 9.68% | 9.46% | 8.89% | 8.86% | 9.28% | -40 bps | |
| Net Worth / Assets | 11.06% | 10.97% | 9.54% | 9.68% | 9.46% | 8.89% | 8.86% | 9.28% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.48% | 97.94% | 93.47% | 93.82% | 96.58% | 100.15% | 95.57% | 96.63% | +281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |