Lufkin, TX · Charter 67489
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 | 1.98% | 1.98% | 1.49% | 1.94% | 1.89% | 1.83% | 1.80% | 1.56% | -38 bps | |
| Return on Equity | 11.33% | 10.79% | 8.19% | 10.27% | 9.92% | 9.38% | 8.91% | 7.60% | -268 bps | |
| Net Interest Margin | 4.88% | 5.02% | 5.05% | 5.19% | 5.18% | 5.22% | 5.18% | 5.16% | -3 bps | |
| Efficiency Ratio | 66.06% | 66.51% | 72.78% | 69.14% | 69.16% | 70.49% | 70.60% | 73.92% | +478 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.19% | -2.46% | 0.38% | 0.21% | 2.09% | 3.43% | -0.43% | 0.02% | -19 bps | |
| Loan Growth (YoY) | -1.52% | -2.88% | -4.45% | -9.04% | -4.97% | -4.89% | 2.27% | 1.59% | +1,062 bps | |
| Share Growth (YoY) | -2.69% | -5.28% | -1.89% | -2.31% | 0.05% | 0.61% | -3.14% | -2.17% | +14 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.30% | 0.02% | 0.06% | 0.19% | 0.19% | 0.10% | 0.05% | -1 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 | 17.51% | 18.32% | 18.21% | 18.86% | 19.08% | 19.54% | 20.22% | 20.52% | +166 bps | |
| Net Worth / Assets | 17.51% | 18.32% | 18.21% | 18.86% | 19.08% | 19.54% | 20.22% | 20.52% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.72% | 76.23% | 72.92% | 72.17% | 72.87% | 72.06% | 77.00% | 74.94% | +277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |