Corpus Christi, TX · Charter 67485
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 | -0.10% | 0.30% | -0.57% | -0.44% | -0.07% | 0.07% | 0.47% | 0.59% | +104 bps | |
| Return on Equity | -0.76% | 2.24% | -4.17% | -3.25% | -0.54% | 0.53% | 3.48% | 4.32% | +756 bps | |
| Net Interest Margin | 5.76% | 5.68% | 4.62% | 4.98% | 5.35% | 5.33% | 5.27% | 5.13% | +15 bps | |
| Efficiency Ratio | 81.64% | 80.79% | 101.07% | 93.38% | 83.57% | 82.40% | 85.87% | 88.92% | -446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.68% | 12.03% | 4.83% | -3.56% | 0.03% | -0.40% | 3.15% | 3.23% | +679 bps | |
| Loan Growth (YoY) | 3.67% | 9.13% | 2.03% | 4.20% | 10.80% | 9.74% | 12.63% | 5.72% | +153 bps | |
| Share Growth (YoY) | 10.92% | 12.35% | 5.55% | -8.47% | -0.29% | 0.80% | 2.92% | 10.02% | +1,849 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 2.11% | 1.49% | 3.13% | 0.89% | 1.99% | 6.57% | 4.13% | +101 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 | 1.04% | 1.08% | 1.27% | 1.31% | 1.34% | 1.37% | 1.52% | 1.51% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.34% | 13.61% | 13.69% | 13.60% | 13.66% | 13.74% | 13.60% | 13.76% | +16 bps | |
| Net Worth / Assets | 13.34% | 13.61% | 13.69% | 13.60% | 13.66% | 13.74% | 13.60% | 13.76% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.52% | 88.78% | 88.14% | 95.92% | 95.04% | 96.65% | 96.45% | 92.17% | -375 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |