Dallas, TX · Charter 67507
NCUA · 2 branches
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 | -0.63% | -0.42% | -0.24% | -0.33% | -0.22% | -0.14% | 0.83% | 0.54% | +87 bps | |
| Return on Equity | -7.61% | -4.92% | -2.83% | -3.90% | -2.59% | -1.64% | 9.68% | 6.09% | +1,000 bps | |
| Net Interest Margin | 3.23% | 3.34% | 3.43% | 3.51% | 3.64% | 3.66% | 3.63% | 3.73% | +21 bps | |
| Efficiency Ratio | 84.15% | 83.47% | 83.69% | 83.72% | 84.35% | 82.72% | 66.28% | 74.22% | -950 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.35% | -4.47% | -6.20% | -4.32% | -4.92% | -3.15% | -0.19% | -2.18% | +214 bps | |
| Loan Growth (YoY) | -3.82% | -3.90% | -9.40% | -10.28% | -10.34% | -7.23% | -2.98% | -3.65% | +664 bps | |
| Share Growth (YoY) | -0.44% | -4.30% | -6.40% | -4.22% | -4.90% | -2.78% | -0.09% | -3.24% | +98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.66% | 0.59% | 0.44% | 0.56% | 0.97% | 0.65% | 0.81% | +38 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 | 8.29% | 8.52% | 8.46% | 8.42% | 8.62% | 8.66% | 8.61% | 8.90% | +49 bps | |
| Net Worth / Assets | 8.29% | 8.52% | 8.46% | 8.42% | 8.62% | 8.66% | 8.61% | 8.90% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.97% | 90.25% | 87.72% | 86.98% | 85.77% | 86.12% | 85.18% | 86.61% | -37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |