Denton, TX · Charter 67535
NCUA · 15 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 | 1.43% | 1.31% | 1.29% | 1.44% | 1.51% | 1.52% | 1.47% | 1.57% | +13 bps | |
| Return on Equity | 8.60% | 7.86% | 7.77% | 8.83% | 9.12% | 8.96% | 8.63% | 9.12% | +30 bps | |
| Net Interest Margin | 3.70% | 3.75% | 3.82% | 3.83% | 3.86% | 3.93% | 4.04% | 4.09% | +27 bps | |
| Efficiency Ratio | 56.79% | 56.65% | 59.89% | 58.57% | 57.73% | 56.66% | 54.30% | 54.10% | -448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.78% | 3.57% | 4.40% | 7.15% | 7.73% | 7.53% | 5.93% | 3.53% | -362 bps | |
| Loan Growth (YoY) | -3.06% | 3.30% | 6.12% | 7.32% | 9.10% | 4.15% | 6.94% | 7.65% | +32 bps | |
| Share Growth (YoY) | 0.46% | 2.45% | 3.42% | 6.77% | 7.43% | 7.11% | 5.16% | 2.43% | -434 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.15% | 0.11% | 0.07% | 0.10% | 0.17% | 0.16% | 0.13% | +6 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 | 16.58% | 16.71% | 16.58% | 16.32% | 16.61% | 16.90% | 17.06% | 17.19% | +87 bps | |
| Net Worth / Assets | 16.58% | 16.71% | 16.58% | 16.32% | 16.61% | 16.90% | 17.06% | 17.19% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.42% | 106.28% | 102.44% | 100.37% | 100.96% | 103.35% | 104.17% | 105.48% | +511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |