Dallas, TX · Charter 67544
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 | 0.56% | 0.69% | 0.60% | 0.65% | 0.73% | 0.77% | 0.71% | 0.66% | +1 bps | |
| Return on Equity | 2.61% | 3.20% | 2.78% | 2.95% | 3.29% | 3.52% | 3.22% | 3.01% | +6 bps | |
| Net Interest Margin | 3.86% | 3.85% | 3.58% | 3.71% | 3.82% | 3.70% | 3.33% | 3.42% | -29 bps | |
| Efficiency Ratio | 76.40% | 76.39% | 84.63% | 83.45% | 81.94% | 81.54% | 87.04% | 85.22% | +177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.02% | -3.57% | -2.06% | -2.23% | -1.24% | 1.07% | -0.11% | 1.43% | +366 bps | |
| Loan Growth (YoY) | -13.31% | -15.21% | -17.17% | -19.04% | -20.19% | -20.91% | -17.70% | -14.39% | +465 bps | |
| Share Growth (YoY) | -10.54% | -5.90% | -4.09% | -4.69% | -2.92% | -0.38% | -2.33% | -0.92% | +377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.65% | 1.04% | 1.13% | 1.06% | 1.93% | 1.35% | 1.54% | +41 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 | 21.36% | 21.49% | 21.41% | 22.05% | 22.31% | 21.90% | 22.10% | 21.91% | -14 bps | |
| Net Worth / Assets | 21.36% | 21.49% | 21.41% | 22.05% | 22.31% | 21.90% | 22.10% | 21.91% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.46% | 68.78% | 63.58% | 62.05% | 58.74% | 54.60% | 53.58% | 53.62% | -843 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |