Fort Worth, TX · Charter 67456
NCUA · 1 branch
Q4 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.73% | -0.19% | -0.05% | 0.06% | 0.54% | 0.76% | 0.72% | 0.18% | +12 bps | |
| Return on Equity | -2.24% | -0.54% | -0.13% | 0.19% | 1.53% | 2.17% | 1.99% | 0.51% | +32 bps | |
| Net Interest Margin | 3.87% | 4.35% | 4.81% | 4.75% | 5.46% | 5.54% | 5.67% | 5.71% | +96 bps | |
| Efficiency Ratio | 105.44% | 103.48% | 99.65% | 97.35% | 87.63% | 83.19% | 83.76% | 86.70% | -1,065 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.88% | -14.60% | -18.63% | -13.54% | -5.81% | -0.23% | 2.79% | -3.37% | +1,017 bps | |
| Loan Growth (YoY) | -13.91% | -14.10% | -15.80% | -17.43% | -8.41% | -15.53% | -14.56% | -10.75% | +668 bps | |
| Share Growth (YoY) | -18.28% | -17.24% | -25.55% | -7.60% | -3.18% | -1.02% | 3.43% | -11.05% | -346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.91% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.04% | 0.12% | 0.18% | 0.29% | 0.50% | 0.70% | 0.09% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.55% | 34.38% | 36.50% | 34.63% | 34.95% | 35.00% | 36.15% | 36.03% | +139 bps | |
| Net Worth / Assets | 32.55% | 34.38% | 36.50% | 34.63% | 34.95% | 35.00% | 36.15% | 36.03% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.08% | 95.65% | 100.58% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |