Brenham, TX · Charter 66857
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 | 0.78% | 0.39% | 0.32% | 0.75% | 0.73% | 0.59% | 0.40% | 0.53% | -22 bps | |
| Return on Equity | 6.46% | 3.33% | 2.71% | 6.07% | 5.59% | 4.70% | 3.20% | 4.22% | -185 bps | |
| Net Interest Margin | 3.29% | 3.03% | 3.37% | 3.46% | 3.67% | 3.44% | 3.17% | 3.19% | -27 bps | |
| Efficiency Ratio | 71.81% | 81.92% | 91.04% | 79.78% | 81.63% | 83.81% | 86.19% | 85.65% | +587 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.10% | -1.50% | -0.79% | 0.27% | -4.90% | -3.02% | 1.02% | 1.89% | +161 bps | |
| Loan Growth (YoY) | -31.01% | -31.63% | -29.64% | -22.82% | -16.27% | -15.14% | -9.74% | -5.52% | +1,731 bps | |
| Share Growth (YoY) | 0.29% | -1.44% | -1.69% | -1.03% | -6.60% | -4.41% | -0.26% | 1.77% | +280 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 12.15% | 11.66% | 11.97% | 12.33% | 13.12% | 12.61% | 12.45% | 12.58% | +25 bps | |
| Net Worth / Assets | 12.15% | 11.66% | 11.97% | 12.33% | 13.12% | 12.61% | 12.45% | 12.58% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.92% | 70.30% | 67.05% | 67.01% | 68.96% | 62.41% | 60.68% | 62.21% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |