Mexia, TX · Charter 67416
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.24% | 0.87% | 1.12% | 1.11% | 1.17% | 0.99% | 1.23% | +11 bps | |
| Return on Equity | 7.18% | 6.98% | 5.08% | 6.55% | 6.52% | 6.79% | 5.81% | 7.14% | +59 bps | |
| Net Interest Margin | 4.64% | 4.65% | 4.42% | 4.44% | 4.44% | 4.42% | 4.18% | 4.22% | -23 bps | |
| Efficiency Ratio | 75.45% | 75.52% | 81.09% | 79.50% | 80.00% | 78.95% | 80.53% | 77.92% | -158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.35% | 1.89% | 5.81% | 7.29% | 9.21% | 10.20% | 8.35% | 7.00% | -30 bps | |
| Loan Growth (YoY) | 0.21% | -1.73% | -0.68% | -0.19% | 0.82% | 2.10% | -1.23% | -3.32% | -313 bps | |
| Share Growth (YoY) | 1.21% | 1.16% | 6.62% | 8.93% | 9.76% | 11.07% | 8.70% | 6.97% | -196 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.66% | 0.25% | 0.27% | 0.22% | 0.31% | 0.22% | 0.44% | +17 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 | 17.46% | 17.71% | 17.09% | 17.07% | 17.10% | 17.24% | 16.95% | 17.16% | +9 bps | |
| Net Worth / Assets | 17.46% | 17.71% | 17.09% | 17.07% | 17.10% | 17.24% | 16.95% | 17.16% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.24% | 77.64% | 73.18% | 72.74% | 71.86% | 71.37% | 66.49% | 65.74% | -700 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |