Alvin, TX · Charter 67510
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 | -1.51% | -1.78% | -9.90% | -5.65% | -4.79% | -3.78% | -2.38% | -2.89% | +276 bps | |
| Return on Equity | -8.86% | -10.18% | -59.38% | -33.05% | -26.80% | -20.53% | -13.37% | -16.99% | +1,606 bps | |
| Net Interest Margin | 4.29% | 4.45% | 4.02% | 4.24% | 4.52% | 4.56% | 4.04% | 4.05% | -19 bps | |
| Efficiency Ratio | 79.05% | 81.06% | 98.81% | 97.65% | 101.28% | 103.55% | 111.54% | 112.81% | +1,516 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.24% | -2.70% | -15.52% | -21.39% | -23.16% | -20.91% | -13.63% | -10.41% | +1,098 bps | |
| Loan Growth (YoY) | -14.67% | -18.61% | -19.02% | -18.82% | -18.44% | -17.40% | -16.54% | -15.69% | +313 bps | |
| Share Growth (YoY) | 3.28% | -1.01% | -15.25% | -21.52% | -24.07% | -22.23% | -14.41% | -10.71% | +1,081 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 1.24% | 2.95% | 1.98% | 2.61% | 2.64% | 3.15% | 2.10% | +11 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 | 17.03% | 17.53% | 16.67% | 17.09% | 17.86% | 18.39% | 17.79% | 16.99% | -9 bps | |
| Net Worth / Assets | 17.03% | 17.53% | 16.67% | 17.09% | 17.86% | 18.39% | 17.79% | 16.99% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.31% | 89.64% | 93.17% | 93.97% | 95.92% | 95.20% | 90.85% | 88.73% | -525 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |