Bryan, TX · Charter 67480
NCUA · 2 branches
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 | 1.06% | 0.28% | 0.47% | 0.33% | 0.26% | 0.14% | -1.30% | -0.01% | -34 bps | |
| Return on Equity | 4.77% | 1.35% | 2.15% | 1.56% | 1.24% | 0.71% | -6.74% | -0.04% | -160 bps | |
| Net Interest Margin | 3.83% | 2.92% | 3.81% | 3.68% | 3.49% | 3.18% | 4.03% | 3.92% | +24 bps | |
| Efficiency Ratio | 74.89% | 91.39% | 88.32% | 91.34% | 92.89% | 95.79% | 74.78% | 69.63% | -2,170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.79% | 4.41% | 0.02% | -0.06% | 3.39% | 4.83% | 10.27% | 9.27% | +933 bps | |
| Loan Growth (YoY) | -7.68% | -9.70% | -20.50% | -29.72% | -29.05% | -27.96% | -19.63% | -13.96% | +1,576 bps | |
| Share Growth (YoY) | -2.56% | 5.23% | -0.27% | -0.01% | 4.96% | 5.87% | 13.43% | 11.77% | +1,178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.09% | 5.19% | 6.00% | 4.14% | 0.69% | 2.66% | 2.42% | -357 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 | 0.93% | 0.51% | 0.62% | 0.86% | 0.41% | 0.62% | 2.15% | 2.22% | +136 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.19% | 20.69% | 21.64% | 21.46% | 21.17% | 19.88% | 19.34% | 19.61% | -186 bps | |
| Net Worth / Assets | 22.19% | 20.69% | 21.64% | 21.46% | 21.17% | 19.88% | 19.34% | 19.61% | -186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.70% | 74.03% | 67.90% | 59.77% | 58.61% | 50.37% | 48.11% | 46.01% | -1,376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |