Mesquite, TX · Charter 67436
NCUA · 2 branches
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 | 0.92% | 1.00% | 0.82% | 0.90% | 0.90% | 0.92% | 0.92% | 0.96% | +6 bps | |
| Return on Equity | 9.71% | 10.18% | 8.37% | 8.75% | 8.71% | 8.71% | 8.65% | 8.73% | -3 bps | |
| Net Interest Margin | 3.78% | 3.92% | 4.02% | 4.20% | 4.20% | 4.20% | 4.18% | 4.25% | +5 bps | |
| Efficiency Ratio | 79.42% | 78.13% | 86.04% | 82.18% | 82.27% | 81.46% | 80.05% | 79.22% | -296 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.47% | -1.63% | 0.09% | -0.53% | 0.65% | 2.05% | 0.91% | 2.10% | +263 bps | |
| Loan Growth (YoY) | -9.59% | -8.82% | -5.90% | -5.51% | -3.03% | 4.03% | 0.11% | -1.70% | +380 bps | |
| Share Growth (YoY) | -1.32% | -2.65% | -0.58% | -0.87% | 0.01% | 1.13% | 0.31% | 0.92% | +179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.15% | 0.09% | 0.13% | 0.13% | 0.13% | 0.03% | 0.03% | -10 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 | 9.45% | 9.85% | 9.84% | 10.23% | 10.35% | 10.55% | 10.67% | 10.96% | +73 bps | |
| Net Worth / Assets | 9.45% | 9.85% | 9.84% | 10.23% | 10.35% | 10.55% | 10.67% | 10.96% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.98% | 71.05% | 70.64% | 70.93% | 68.82% | 73.08% | 70.50% | 69.08% | -185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |