Beaumont, TX · Charter 67417
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 | -0.64% | -0.95% | -0.62% | -0.14% | -0.13% | 0.01% | -0.93% | -0.44% | -30 bps | |
| Return on Equity | -2.55% | -3.77% | -2.59% | -0.60% | -0.51% | 0.03% | -3.99% | -1.85% | -125 bps | |
| Net Interest Margin | 5.01% | 5.21% | 4.67% | 4.49% | 4.72% | 4.65% | 4.51% | 4.73% | +24 bps | |
| Efficiency Ratio | 90.71% | 89.29% | 91.35% | 92.77% | 96.23% | 96.73% | 110.31% | 102.64% | +987 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | -1.76% | -1.52% | 6.90% | -1.74% | 3.35% | 1.45% | -1.71% | -862 bps | |
| Loan Growth (YoY) | -5.78% | -11.78% | -17.34% | -16.30% | -11.11% | -8.62% | -2.98% | 1.06% | +1,736 bps | |
| Share Growth (YoY) | 10.64% | -1.23% | 4.60% | 11.08% | -1.63% | 4.54% | 2.00% | -2.06% | -1,314 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.90% | 2.72% | 1.51% | 1.48% | 1.87% | 1.44% | 1.33% | 2.02% | +54 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 | 25.09% | 25.27% | 24.04% | 23.56% | 24.81% | 24.29% | 23.46% | 23.66% | +10 bps | |
| Net Worth / Assets | 25.09% | 25.27% | 24.04% | 23.56% | 24.81% | 24.29% | 23.46% | 23.66% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.04% | 96.47% | 87.11% | 83.93% | 89.48% | 84.32% | 82.86% | 86.60% | +268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |