College Station, TX · Charter 67408
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 | 0.86% | 0.71% | 0.89% | 1.04% | 1.11% | 0.95% | 0.74% | 0.97% | -7 bps | |
| Return on Equity | 6.15% | 5.04% | 6.32% | 7.12% | 7.39% | 6.39% | 4.99% | 6.44% | -68 bps | |
| Net Interest Margin | 2.72% | 2.75% | 3.17% | 3.32% | 3.40% | 3.27% | 3.42% | 3.46% | +14 bps | |
| Efficiency Ratio | 67.50% | 69.75% | 65.18% | 64.84% | 64.40% | 67.62% | 64.58% | 63.92% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.63% | 2.09% | 2.26% | 0.60% | -1.02% | 1.22% | 0.99% | 3.07% | +247 bps | |
| Loan Growth (YoY) | 0.14% | 3.11% | 3.24% | 9.56% | 10.78% | 11.01% | 9.49% | 5.43% | -413 bps | |
| Share Growth (YoY) | 4.84% | 1.33% | 1.02% | -0.63% | -1.57% | 0.31% | 0.78% | 2.61% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.64% | 0.87% | 0.69% | 0.76% | 0.71% | 0.47% | 0.40% | -28 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 | 13.94% | 14.06% | 14.10% | 14.60% | 14.97% | 14.83% | 14.86% | 15.07% | +48 bps | |
| Net Worth / Assets | 13.94% | 14.06% | 14.10% | 14.60% | 14.97% | 14.83% | 14.86% | 15.07% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.57% | 46.52% | 46.11% | 49.70% | 51.29% | 51.49% | 50.10% | 51.07% | +137 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |