Lufkin, TX · Charter 67440
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 | 0.84% | 1.10% | 1.75% | 1.52% | 1.62% | 1.79% | 2.16% | 2.33% | +81 bps | |
| Return on Equity | 5.54% | 7.04% | 10.94% | 9.35% | 9.71% | 10.32% | 12.14% | 12.67% | +332 bps | |
| Net Interest Margin | 3.81% | 4.10% | 4.82% | 4.69% | 4.79% | 4.97% | 4.98% | 5.15% | +46 bps | |
| Efficiency Ratio | 79.59% | 74.85% | 66.27% | 69.06% | 67.92% | 66.23% | 58.41% | 55.67% | -1,339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.93% | -5.17% | -1.25% | 0.20% | 0.56% | 0.67% | 0.81% | 0.06% | -14 bps | |
| Loan Growth (YoY) | -11.39% | -14.75% | -19.08% | -18.30% | -4.10% | -2.68% | -1.89% | -1.35% | +1,695 bps | |
| Share Growth (YoY) | -7.68% | -7.12% | -3.07% | -1.50% | -1.33% | -1.42% | -1.33% | -2.60% | -110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.02% | 0.00% | 0.19% | 0.18% | 0.08% | 0.16% | 0.04% | -15 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 | 15.12% | 15.67% | 16.02% | 16.21% | 16.72% | 17.36% | 17.78% | 18.38% | +217 bps | |
| Net Worth / Assets | 15.12% | 15.67% | 16.02% | 16.21% | 16.72% | 17.36% | 17.78% | 18.38% | +217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.48% | 42.95% | 38.37% | 36.14% | 40.32% | 42.40% | 38.15% | 36.60% | +47 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |