Dallas, TX · Charter 67517
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 | 0.75% | 0.97% | 0.97% | 1.02% | 1.12% | 1.19% | 1.45% | 1.60% | +59 bps | |
| Return on Equity | 4.90% | 6.12% | 6.05% | 6.18% | 6.62% | 6.88% | 8.25% | 8.98% | +281 bps | |
| Net Interest Margin | 2.68% | 2.82% | 3.36% | 3.43% | 3.53% | 3.54% | 3.69% | 3.69% | +26 bps | |
| Efficiency Ratio | 77.21% | 75.03% | 71.23% | 73.80% | 71.27% | 70.06% | 64.35% | 64.14% | -966 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.03% | -2.53% | -0.60% | -2.68% | -2.50% | -1.28% | -1.94% | -0.14% | +254 bps | |
| Loan Growth (YoY) | 17.72% | 14.74% | 4.82% | -4.59% | -6.96% | -12.81% | -2.78% | -3.59% | +100 bps | |
| Share Growth (YoY) | -4.56% | -4.16% | -1.87% | -4.57% | -4.32% | -2.73% | -4.39% | -2.32% | +225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.41% | 0.53% | 0.43% | 0.87% | 0.87% | 0.67% | 0.66% | +24 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 | 15.35% | 15.90% | 16.04% | 16.46% | 16.99% | 17.28% | 17.55% | 17.85% | +139 bps | |
| Net Worth / Assets | 15.35% | 15.90% | 16.04% | 16.46% | 16.99% | 17.28% | 17.55% | 17.85% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.11% | 42.72% | 41.07% | 40.25% | 39.00% | 38.29% | 41.76% | 39.73% | -52 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |