Tyler, TX · Charter 67587
NCUA · 1 branch
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 | 3.17% | 2.34% | 1.56% | 0.68% | 0.63% | -255 bps | |
| Return on Equity | 37.11% | 26.75% | 19.05% | 9.93% | 8.85% | -2,826 bps | |
| Net Interest Margin | 3.96% | 4.00% | 3.66% | 2.63% | 3.16% | -80 bps | |
| Efficiency Ratio | 56.15% | 64.30% | 70.14% | 77.24% | 82.85% | +2,670 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.49% | 2.99% | 6.76% | 6.49% | 2.76% | -273 bps | |
| Loan Growth (YoY) | 1.86% | 6.10% | 8.05% | 10.00% | 1.51% | -35 bps | |
| Share Growth (YoY) | 3.62% | 0.82% | 5.09% | 7.59% | 3.97% | +35 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 1.26% | 1.36% | 1.38% | 0.64% | -17 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 | 8.55% | 8.73% | 8.20% | 6.85% | 7.07% | -147 bps | |
| Net Worth / Assets | 8.55% | 8.73% | 8.20% | 6.85% | 7.07% | -147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.76% | 68.81% | 65.17% | 64.63% | 65.18% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |