Corsicana, TX · Charter 67407
NCUA · 2 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 | 0.94% | 0.75% | -0.46% | 0.13% | 0.59% | 0.47% | -0.27% | -0.04% | -18 bps | |
| Return on Equity | 2.45% | 1.87% | -1.13% | 0.32% | 1.41% | 1.14% | -0.64% | -0.10% | -42 bps | |
| Net Interest Margin | 3.94% | 4.16% | 3.99% | 4.15% | 4.27% | 4.30% | 9.62% | 5.03% | +88 bps | |
| Efficiency Ratio | 78.23% | 77.67% | 80.86% | 81.60% | 75.17% | 77.06% | 71.85% | 70.21% | -1,139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.20% | -10.84% | -11.58% | -11.01% | -7.09% | -1.78% | -1.45% | -2.04% | +897 bps | |
| Loan Growth (YoY) | 3.47% | -4.56% | -5.52% | -6.80% | -1.86% | 5.00% | 12.14% | 4.73% | +1,154 bps | |
| Share Growth (YoY) | -13.63% | -17.85% | -18.95% | -18.04% | -11.71% | -3.79% | -3.17% | -4.20% | +1,384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.44% | 2.09% | 0.13% | 0.22% | 0.85% | 3.04% | 3.18% | +305 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 | 0.80% | 1.36% | 2.11% | 0.46% | 0.47% | 0.80% | 1.70% | 2.09% | +163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 38.43% | 40.16% | 41.14% | 41.47% | 41.71% | 41.35% | 42.15% | 42.73% | +126 bps | |
| Net Worth / Assets | 38.43% | 40.16% | 41.14% | 41.47% | 41.71% | 41.35% | 42.15% | 42.73% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.16% | 80.27% | 80.21% | 83.58% | 85.78% | 87.61% | 92.90% | 91.36% | +779 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |