Laredo, TX · Charter 67579
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 | -0.64% | -0.81% | -16.66% | -10.95% | -7.84% | -6.70% | -1.42% | -0.17% | +1,079 bps | |
| Return on Equity | -2.32% | -2.94% | -70.35% | -46.34% | -31.76% | -27.23% | -6.10% | -0.69% | +4,565 bps | |
| Net Interest Margin | 6.61% | 6.45% | 5.82% | 6.50% | 6.15% | 6.10% | 5.06% | 5.10% | -139 bps | |
| Efficiency Ratio | 72.87% | 77.83% | 73.31% | 102.38% | 106.86% | 105.62% | 117.97% | 116.81% | +1,443 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.95% | -8.61% | -9.59% | -10.14% | -11.51% | -13.75% | -7.10% | -4.18% | +596 bps | |
| Loan Growth (YoY) | -1.00% | -8.20% | -11.46% | -12.74% | -18.26% | -19.56% | -20.58% | -21.85% | -911 bps | |
| Share Growth (YoY) | -23.13% | -16.00% | -8.40% | -12.88% | -3.04% | -4.47% | -1.28% | 2.60% | +1,548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.68% | 6.81% | 5.69% | 4.92% | 2.76% | 1.57% | 1.25% | 2.49% | -243 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 | 27.45% | 27.45% | 23.68% | 23.64% | 24.69% | 24.63% | 23.33% | 23.94% | +30 bps | |
| Net Worth / Assets | 27.45% | 27.45% | 23.68% | 23.64% | 24.69% | 24.63% | 23.33% | 23.94% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.28% | 89.80% | 86.86% | 88.47% | 79.47% | 75.61% | 69.89% | 67.38% | -2,108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |