Fort Worth, TX · Charter 67456
NCUA · 1 branch
Q4 2025
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.54% | 0.76% | 0.72% | 0.18% | +12 bps | |
| Return on Equity | 0.19% | 1.53% | 2.17% | 1.99% | 0.51% | +32 bps | |
| Net Interest Margin | 4.75% | 5.46% | 5.54% | 5.67% | 5.71% | +96 bps | |
| Efficiency Ratio | 97.35% | 87.63% | 83.19% | 83.76% | 86.70% | -1,065 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.54% | -5.81% | -0.23% | 2.79% | -3.37% | +1,017 bps | |
| Loan Growth (YoY) | -17.43% | -8.41% | -15.53% | -14.56% | -10.75% | +668 bps | |
| Share Growth (YoY) | -7.60% | -3.18% | -1.02% | 3.43% | -11.05% | -346 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 1.18% | 1.40% | 1.44% | 1.40% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.29% | 0.50% | 0.70% | 0.09% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.63% | 34.95% | 35.00% | 36.15% | 36.03% | +139 bps | |
| Net Worth / Assets | 34.63% | 34.95% | 35.00% | 36.15% | 36.03% | +139 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.83% | 89.95% | 81.63% | 83.09% | 91.14% | +31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |