Dickinson, TX · Charter 67427
NCUA · 1 branch
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 | 0.22% | 0.21% | 0.20% | -0.08% | 0.07% | 0.02% | -0.74% | -2.81% | -273 bps | |
| Return on Equity | 2.30% | 2.23% | 2.13% | -0.83% | 0.72% | 0.23% | -7.15% | -30.33% | -2,950 bps | |
| Net Interest Margin | 4.43% | 4.45% | 4.42% | 4.77% | 4.71% | 4.77% | 4.51% | 4.67% | -11 bps | |
| Efficiency Ratio | 94.37% | 92.64% | 102.70% | 99.50% | 97.83% | 98.68% | 112.83% | 112.32% | +1,283 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.57% | 9.60% | 5.88% | -7.36% | -6.19% | -10.27% | -9.16% | -4.93% | +243 bps | |
| Loan Growth (YoY) | 4.97% | -2.17% | -9.82% | -16.80% | -15.33% | -13.61% | -20.15% | -12.83% | +397 bps | |
| Share Growth (YoY) | 0.54% | 10.42% | 6.02% | -8.21% | -8.40% | -11.33% | -9.72% | -4.85% | +336 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.95% | 0.42% | 1.80% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.34% | 0.24% | 0.19% | 0.17% | 0.15% | 0.20% | 1.52% | +133 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.53% | 9.38% | 9.60% | 10.09% | 10.27% | 10.48% | 10.35% | 9.27% | -81 bps | |
| Net Worth / Assets | 9.53% | 9.38% | 9.60% | 10.09% | 10.27% | 10.48% | 10.35% | 9.27% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.67% | 81.57% | 79.85% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |