Tyler, TX · Charter 67474
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 | 0.98% | 0.95% | 1.05% | 1.48% | 1.20% | 0.74% | -0.19% | -0.22% | -170 bps | |
| Return on Equity | 3.71% | 3.56% | 4.01% | 5.30% | 4.39% | 2.72% | -0.68% | -0.77% | -607 bps | |
| Net Interest Margin | 5.36% | 5.39% | 5.37% | 5.66% | 5.41% | 5.30% | 4.63% | 4.84% | -82 bps | |
| Efficiency Ratio | 76.39% | 77.73% | 81.40% | 79.27% | 80.85% | 85.38% | 104.01% | 100.09% | +2,082 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.75% | 10.53% | 12.58% | 4.70% | 0.22% | -0.11% | -7.28% | -4.93% | -963 bps | |
| Loan Growth (YoY) | -8.66% | -7.34% | -11.19% | -11.25% | -18.69% | -23.11% | -30.70% | -27.80% | -1,656 bps | |
| Share Growth (YoY) | 12.08% | 13.25% | 12.13% | 4.54% | -1.22% | -1.16% | -7.69% | -6.71% | -1,125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.50% | 0.31% | 0.53% | 0.36% | 0.39% | 0.00% | 0.04% | -49 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 | 0.73% | 0.41% | 0.44% | 0.26% | 0.35% | 0.08% | 0.10% | 0.33% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.39% | 26.63% | 26.25% | 27.84% | 27.44% | 27.40% | 28.76% | 29.19% | +135 bps | |
| Net Worth / Assets | 26.39% | 26.63% | 26.25% | 27.84% | 27.44% | 27.40% | 28.76% | 29.19% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.42% | 86.58% | 81.31% | 84.16% | 73.60% | 67.35% | 61.04% | 65.13% | -1,903 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |