Beaumont, TX · Charter 67574
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 | 1.67% | 1.63% | 0.09% | 0.95% | 0.91% | 0.73% | 0.12% | 0.18% | -77 bps | |
| Return on Equity | 11.12% | 10.83% | 0.66% | 6.59% | 6.16% | 5.13% | 0.86% | 1.28% | -531 bps | |
| Net Interest Margin | 3.88% | 3.75% | 3.26% | 3.14% | 3.16% | 2.94% | 2.41% | 2.47% | -67 bps | |
| Efficiency Ratio | 66.65% | 67.93% | 82.95% | 80.27% | 81.36% | 84.05% | 97.11% | 95.62% | +1,535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.43% | -3.05% | 2.55% | 7.84% | 9.23% | 10.85% | 8.36% | 5.75% | -209 bps | |
| Loan Growth (YoY) | 5.91% | 4.09% | 0.75% | -0.40% | -2.14% | -4.71% | -4.90% | -4.59% | -419 bps | |
| Share Growth (YoY) | -7.34% | -5.50% | 0.86% | 6.70% | 10.56% | 11.12% | 9.83% | 7.62% | +92 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.04% | 0.07% | 0.47% | 0.67% | 0.38% | 0.20% | 0.00% | -46 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 | 14.97% | 15.09% | 14.31% | 14.38% | 14.71% | 14.27% | 13.52% | 13.69% | -69 bps | |
| Net Worth / Assets | 14.97% | 15.09% | 14.31% | 14.38% | 14.71% | 14.27% | 13.52% | 13.69% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.42% | 49.10% | 44.45% | 43.65% | 44.63% | 42.10% | 38.49% | 38.69% | -495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |