Del Rio, TX · Charter 67531
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 | -0.36% | -0.24% | 0.60% | 0.36% | -0.43% | -1.83% | 0.20% | 0.10% | -26 bps | |
| Return on Equity | -1.00% | -0.65% | 1.64% | 0.99% | -1.17% | -4.99% | 0.56% | 0.27% | -72 bps | |
| Net Interest Margin | 4.70% | 5.02% | 6.35% | 6.05% | 6.20% | 6.29% | 5.46% | 6.28% | +23 bps | |
| Efficiency Ratio | 107.44% | 104.55% | 90.85% | 91.58% | 92.11% | 95.82% | 104.91% | 94.65% | +307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.49% | 0.63% | -0.36% | 2.65% | -3.54% | -6.34% | -3.47% | -7.15% | -980 bps | |
| Loan Growth (YoY) | 9.32% | 30.89% | 41.54% | 41.63% | 24.80% | 18.55% | 18.23% | 6.16% | -3,547 bps | |
| Share Growth (YoY) | -0.81% | 1.47% | -0.61% | 3.84% | -5.30% | -7.44% | -2.73% | -8.35% | -1,219 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.65% | 3.54% | 3.25% | 2.00% | 3.75% | 0.77% | 5.07% | +182 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 | 1.01% | 0.91% | 0.84% | 0.91% | 1.34% | 2.21% | 1.78% | 2.04% | +113 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.01% | 36.16% | 36.82% | 36.42% | 37.05% | 36.78% | 36.23% | 37.22% | +80 bps | |
| Net Worth / Assets | 36.01% | 36.16% | 36.82% | 36.42% | 37.05% | 36.78% | 36.23% | 37.22% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.38% | 49.23% | 54.54% | 55.92% | 58.49% | 63.05% | 66.29% | 64.77% | +885 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |