Paris, TX · Charter 67499
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 | 0.28% | 0.23% | 0.11% | 0.11% | 0.08% | 0.06% | 0.03% | 0.03% | -8 bps | |
| Return on Equity | 1.45% | 1.18% | 0.57% | 0.56% | 0.38% | 0.30% | 0.17% | 0.14% | -41 bps | |
| Net Interest Margin | 4.46% | 4.47% | 4.35% | 4.21% | 4.34% | 4.54% | 4.85% | 4.56% | +35 bps | |
| Efficiency Ratio | 93.74% | 94.62% | 97.49% | 97.49% | 98.25% | 98.66% | 99.32% | 99.36% | +188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.81% | -5.66% | -1.18% | 1.14% | -2.52% | -3.19% | -4.12% | -6.33% | -747 bps | |
| Loan Growth (YoY) | -2.94% | 1.38% | -12.30% | -26.20% | 11.65% | -4.28% | -1.47% | 14.70% | +4,090 bps | |
| Share Growth (YoY) | -9.30% | -7.81% | -1.67% | 1.27% | -3.41% | -4.09% | -5.13% | -7.83% | -911 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.76% | 0.00% | 0.00% | 1.73% | 14.66% | 1.90% | +190 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 | 1.57% | 1.45% | 1.57% | 1.92% | 1.43% | 1.61% | 1.69% | 1.77% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.22% | 19.40% | 19.16% | 19.04% | 19.80% | 20.10% | 20.02% | 20.35% | +131 bps | |
| Net Worth / Assets | 19.22% | 19.40% | 19.16% | 19.04% | 19.80% | 20.10% | 20.02% | 20.35% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.33% | 62.72% | 56.70% | 46.15% | 65.10% | 62.60% | 58.89% | 57.44% | +1,128 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |