Tyler, TX · Charter 67587
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 | 0.38% | 0.30% | 5.91% | 3.17% | 2.34% | 1.56% | 0.68% | 0.63% | -255 bps | |
| Return on Equity | 5.26% | 4.16% | 68.62% | 37.11% | 26.75% | 19.05% | 9.93% | 8.85% | -2,826 bps | |
| Net Interest Margin | 3.20% | 3.15% | 13.38% | 3.96% | 4.00% | 3.66% | 2.63% | 3.16% | -80 bps | |
| Efficiency Ratio | 91.97% | 93.95% | 38.51% | 56.15% | 64.30% | 70.14% | 77.24% | 82.85% | +2,670 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.87% | -5.78% | 1.82% | 5.49% | 2.99% | 6.76% | 6.49% | 2.76% | -273 bps | |
| Loan Growth (YoY) | -12.83% | -11.59% | -7.42% | 1.86% | 6.10% | 8.05% | 10.00% | 1.51% | -35 bps | |
| Share Growth (YoY) | -6.30% | -6.11% | 0.56% | 3.62% | 0.82% | 5.09% | 7.59% | 3.97% | +35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 1.80% | 0.61% | 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 | 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 | 7.21% | 7.11% | 8.62% | 8.55% | 8.73% | 8.20% | 6.85% | 7.07% | -147 bps | |
| Net Worth / Assets | 7.21% | 7.11% | 8.62% | 8.55% | 8.73% | 8.20% | 6.85% | 7.07% | -147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.38% | 63.38% | 63.21% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |