Edinburg, TX · Charter 66366
NCUA · 1 branch
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 | 0.49% | 0.47% | 0.35% | 0.38% | 0.46% | 0.38% | 0.07% | 0.23% | -15 bps | |
| Return on Equity | 2.08% | 1.97% | 1.50% | 1.67% | 2.01% | 1.65% | 0.30% | 1.03% | -63 bps | |
| Net Interest Margin | 2.94% | 2.98% | 2.79% | 2.79% | 2.78% | 2.73% | 2.62% | 2.63% | -16 bps | |
| Efficiency Ratio | 83.77% | 85.12% | 92.27% | 89.25% | 85.36% | 87.37% | 95.10% | 89.88% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.17% | -2.04% | 3.31% | 5.27% | 4.13% | 7.35% | 3.83% | 3.43% | -184 bps | |
| Loan Growth (YoY) | 10.87% | 3.71% | 3.14% | 8.96% | 0.05% | -1.68% | -7.17% | -9.21% | -1,817 bps | |
| Share Growth (YoY) | -5.49% | -3.02% | 1.21% | 2.26% | 3.76% | 5.21% | 2.37% | 2.21% | -5 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.06% | 0.09% | 0.16% | 0.03% | 0.01% | 0.00% | 0.12% | -4 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 | 23.56% | 24.04% | 23.16% | 23.09% | 23.02% | 22.73% | 22.57% | 22.59% | -50 bps | |
| Net Worth / Assets | 23.56% | 24.04% | 23.16% | 23.09% | 23.02% | 22.73% | 22.57% | 22.59% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.35% | 29.04% | 28.86% | 28.80% | 27.34% | 27.14% | 26.17% | 25.59% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |