Corpus Christi, TX · Charter 67578
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.33% | 0.19% | -0.19% | 0.94% | 0.48% | 0.31% | 0.14% | +34 bps | |
| Return on Equity | 1.84% | 1.53% | 0.94% | -0.95% | 4.45% | 2.26% | 1.47% | 0.69% | +164 bps | |
| Net Interest Margin | 4.66% | 4.65% | 4.36% | 4.43% | 4.55% | 4.53% | 4.26% | 4.24% | -19 bps | |
| Efficiency Ratio | 79.86% | 81.83% | 85.31% | 85.09% | 80.78% | 83.64% | 98.94% | 96.41% | +1,132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | 4.10% | 3.20% | 5.03% | 5.48% | 3.15% | 1.41% | 1.12% | -391 bps | |
| Loan Growth (YoY) | -11.77% | -5.78% | -8.20% | -0.31% | -1.45% | -9.77% | -12.51% | -15.32% | -1,501 bps | |
| Share Growth (YoY) | 4.67% | 4.96% | 3.92% | 6.70% | 5.99% | 3.37% | 1.16% | 0.69% | -600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.80% | 3.50% | 3.75% | 3.63% | 1.85% | 2.68% | 1.09% | 0.00% | -363 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 | 1.66% | 1.61% | 2.05% | 2.32% | 1.50% | 1.80% | 1.70% | 1.35% | -97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.50% | 21.34% | 20.64% | 20.40% | 21.12% | 21.17% | 20.86% | 20.81% | +41 bps | |
| Net Worth / Assets | 21.50% | 21.34% | 20.64% | 20.40% | 21.12% | 21.17% | 20.86% | 20.81% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.27% | 66.04% | 60.76% | 61.88% | 60.69% | 57.64% | 52.55% | 52.04% | -984 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |