Texarkana, TX · Charter 67414
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 | 0.41% | 0.31% | 0.28% | 0.44% | 0.17% | 0.16% | 0.28% | -0.07% | -51 bps | |
| Return on Equity | 2.05% | 1.56% | 1.36% | 2.18% | 0.84% | 0.77% | 1.21% | -0.30% | -249 bps | |
| Net Interest Margin | 5.18% | 5.08% | 4.98% | 4.99% | 5.05% | 5.13% | 4.92% | 4.85% | -14 bps | |
| Efficiency Ratio | 92.26% | 93.92% | 94.96% | 91.67% | 96.65% | 96.84% | 94.53% | 101.64% | +997 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.83% | -9.01% | -7.50% | -4.23% | -3.38% | -4.65% | -10.89% | -11.18% | -695 bps | |
| Loan Growth (YoY) | 1.77% | -5.08% | -6.43% | -0.44% | -3.10% | -2.96% | -7.56% | -15.85% | -1,541 bps | |
| Share Growth (YoY) | -10.09% | -11.32% | -9.25% | -5.59% | -4.41% | -6.02% | -13.96% | -14.09% | -850 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 | 0.10% | 0.11% | 0.10% | 0.09% | 0.10% | 0.10% | 0.10% | 0.11% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.90% | 20.13% | 20.26% | 20.34% | 20.75% | 21.29% | 22.97% | 22.93% | +259 bps | |
| Net Worth / Assets | 19.90% | 20.13% | 20.26% | 20.34% | 20.75% | 21.29% | 22.97% | 22.93% | +259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.97% | 58.97% | 57.89% | 61.13% | 61.81% | 60.89% | 62.20% | 59.88% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |