Garland, TX · Charter 67470
NCUA · 7 branches
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 | 0.44% | 0.33% | 0.21% | 0.33% | 0.51% | 0.54% | -0.07% | 0.02% | -31 bps | |
| Return on Equity | 3.12% | 2.38% | 1.55% | 2.31% | 3.47% | 3.76% | -0.49% | 0.13% | -218 bps | |
| Net Interest Margin | 4.27% | 3.80% | 4.33% | 4.44% | 4.58% | 4.62% | 4.35% | 4.32% | -12 bps | |
| Efficiency Ratio | 88.49% | 88.84% | 88.19% | 86.78% | 83.73% | 83.40% | 97.89% | 93.13% | +636 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.18% | 10.19% | 10.66% | 9.41% | 9.28% | -3.94% | -2.66% | -0.09% | -950 bps | |
| Loan Growth (YoY) | -0.81% | 8.17% | 5.53% | 3.04% | 4.04% | -4.49% | -1.09% | 2.53% | -51 bps | |
| Share Growth (YoY) | -5.46% | 9.48% | 10.28% | 8.81% | 8.44% | -4.30% | -3.23% | -0.34% | -915 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.58% | 0.64% | 0.63% | 0.79% | 1.08% | 0.46% | 0.59% | -4 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 | 14.04% | 13.91% | 13.84% | 14.14% | 14.69% | 14.46% | 15.16% | 14.73% | +59 bps | |
| Net Worth / Assets | 14.04% | 13.91% | 13.84% | 14.14% | 14.69% | 14.46% | 15.16% | 14.73% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.84% | 79.27% | 76.24% | 75.23% | 77.57% | 79.11% | 77.92% | 77.39% | +217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |