Dickinson, TX · Charter 67427
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | 0.07% | 0.02% | -0.74% | -2.81% | -273 bps | |
| Return on Equity | -0.83% | 0.72% | 0.23% | -7.15% | -30.33% | -2,950 bps | |
| Net Interest Margin | 4.77% | 4.71% | 4.77% | 4.51% | 4.67% | -11 bps | |
| Efficiency Ratio | 99.50% | 97.83% | 98.68% | 112.83% | 112.32% | +1,283 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.36% | -6.19% | -10.27% | -9.16% | -4.93% | +243 bps | |
| Loan Growth (YoY) | -16.80% | -15.33% | -13.61% | -20.15% | -12.83% | +397 bps | |
| Share Growth (YoY) | -8.21% | -8.40% | -11.33% | -9.72% | -4.85% | +336 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.90% | 3.88% | 3.69% | 3.71% | 3.07% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.17% | 0.15% | 0.20% | 1.52% | +133 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.09% | 10.27% | 10.48% | 10.35% | 9.27% | -81 bps | |
| Net Worth / Assets | 10.09% | 10.27% | 10.48% | 10.35% | 9.27% | -81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.07% | 81.03% | 79.47% | 70.62% | 75.19% | -688 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |