Wharton, TX · Charter 67458
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.75% | 0.67% | 1.01% | 1.03% | 0.99% | 1.23% | 0.99% | -2 bps | |
| Return on Equity | 3.80% | 3.14% | 2.79% | 3.98% | 3.86% | 3.70% | 4.42% | 3.50% | -48 bps | |
| Net Interest Margin | 2.68% | 2.66% | 2.76% | 3.22% | 3.45% | 3.45% | 4.03% | 3.85% | +63 bps | |
| Efficiency Ratio | 65.19% | 69.00% | 74.30% | 68.05% | 69.55% | 69.82% | 67.00% | 71.65% | +360 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.36% | 0.15% | 2.15% | -3.56% | -9.14% | -8.57% | -11.96% | -8.76% | -520 bps | |
| Loan Growth (YoY) | 55.01% | 83.16% | 53.81% | 40.70% | 30.81% | 13.00% | 21.87% | 15.11% | -2,560 bps | |
| Share Growth (YoY) | -3.45% | -2.23% | 1.23% | -5.38% | -11.60% | -10.93% | -15.61% | -13.14% | -776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.25% | 0.05% | 0.06% | 0.12% | 0.10% | 0.26% | 0.18% | +12 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 | 0.39% | 0.37% | 0.30% | 0.40% | 0.34% | 0.37% | 0.33% | 0.28% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.86% | 23.89% | 23.97% | 25.38% | 26.72% | 26.72% | 27.90% | 28.35% | +297 bps | |
| Net Worth / Assets | 23.86% | 23.89% | 23.97% | 25.38% | 26.72% | 26.72% | 27.90% | 28.35% | +297 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.47% | 39.33% | 39.26% | 46.84% | 49.53% | 49.90% | 56.70% | 62.07% | +1,523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |