Slaton, TX · Charter 67441
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 | 1.84% | 1.93% | 1.83% | 2.06% | 2.14% | 2.08% | 2.38% | 2.14% | +8 bps | |
| Return on Equity | 4.61% | 4.80% | 4.50% | 5.03% | 5.23% | 5.09% | 5.78% | 5.13% | +10 bps | |
| Net Interest Margin | 4.13% | 4.16% | 4.01% | 4.12% | 4.13% | 4.10% | 3.96% | 4.00% | -12 bps | |
| Efficiency Ratio | 50.87% | 50.89% | 52.43% | 49.27% | 49.15% | 49.83% | 48.47% | 50.93% | +165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 1.99% | 1.23% | 1.61% | 2.64% | 3.44% | 3.83% | 3.01% | +140 bps | |
| Loan Growth (YoY) | -4.65% | -5.36% | -1.55% | -3.49% | -4.72% | -7.88% | -11.46% | -10.93% | -744 bps | |
| Share Growth (YoY) | -2.36% | 0.23% | -2.06% | -1.22% | 0.80% | 2.24% | 3.24% | 1.26% | +247 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 2.26% | 2.12% | 1.80% | 1.97% | 1.82% | 1.81% | 1.77% | -3 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 | 39.88% | 40.22% | 40.60% | 40.91% | 40.86% | 40.84% | 41.20% | 41.73% | +82 bps | |
| Net Worth / Assets | 39.88% | 40.22% | 40.60% | 40.91% | 40.86% | 40.84% | 41.20% | 41.73% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.18% | 56.87% | 57.08% | 56.21% | 54.05% | 51.24% | 48.95% | 49.44% | -677 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |