Bay City, TX · Charter 67545
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 | 1.95% | 1.89% | 1.72% | 1.90% | 1.96% | 1.92% | 1.47% | 1.55% | -36 bps | |
| Return on Equity | 12.84% | 12.16% | 11.07% | 11.94% | 11.97% | 11.38% | 8.75% | 8.90% | -303 bps | |
| Net Interest Margin | 3.77% | 3.43% | 3.58% | 3.69% | 3.80% | 3.82% | 3.48% | 3.57% | -11 bps | |
| Efficiency Ratio | 55.27% | 56.69% | 61.75% | 56.93% | 56.46% | 57.48% | 64.79% | 64.08% | +715 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.42% | -0.54% | 2.25% | 3.81% | 4.84% | 4.27% | 3.82% | 1.97% | -183 bps | |
| Loan Growth (YoY) | 0.20% | 3.82% | 6.16% | 1.29% | 6.80% | 7.43% | 6.65% | 8.17% | +688 bps | |
| Share Growth (YoY) | -2.34% | -2.60% | 0.32% | 2.02% | 3.27% | 2.78% | 2.19% | 0.76% | -126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.47% | 0.02% | 0.02% | 0.05% | 0.14% | 0.06% | 0.31% | +29 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 | 15.16% | 15.55% | 15.49% | 15.95% | 16.34% | 16.83% | 16.74% | 17.39% | +144 bps | |
| Net Worth / Assets | 15.16% | 15.55% | 15.49% | 15.95% | 16.34% | 16.83% | 16.74% | 17.39% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.95% | 56.21% | 54.73% | 53.09% | 55.79% | 58.76% | 57.12% | 56.99% | +390 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |