Tyler, TX · Charter 67576
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.10% | 0.12% | 0.17% | 0.30% | +12 bps | |
| Return on Equity | 2.25% | 1.22% | 1.55% | 2.13% | 3.82% | +157 bps | |
| Net Interest Margin | 3.56% | 3.72% | 3.83% | 3.58% | 3.53% | -3 bps | |
| Efficiency Ratio | 96.72% | 96.82% | 95.61% | 96.06% | 92.72% | -400 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.98% | -7.08% | -10.26% | -9.14% | -5.83% | +14 bps | |
| Loan Growth (YoY) | -14.78% | -14.55% | -13.75% | -12.64% | -11.83% | +294 bps | |
| Share Growth (YoY) | -10.59% | -9.75% | -9.90% | -8.44% | -4.50% | +609 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.01% | 2.98% | 2.65% | 1.41% | 4.31% | +230 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.21% | 8.58% | 7.87% | 7.86% | 7.88% | -32 bps | |
| Net Worth / Assets | 8.21% | 8.58% | 7.87% | 7.86% | 7.88% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.07% | 82.98% | 80.08% | 77.13% | 74.84% | -623 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |