Brownwood, TX · Charter 67602
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 | 1.21% | 1.28% | 1.31% | 0.97% | 1.04% | 1.23% | 0.81% | 0.86% | -11 bps | |
| Return on Equity | 5.33% | 5.78% | 6.17% | 4.71% | 5.12% | 5.84% | 3.77% | 3.86% | -85 bps | |
| Net Interest Margin | 4.72% | 4.55% | 4.38% | 4.39% | 4.38% | 4.57% | 4.62% | 4.75% | +36 bps | |
| Efficiency Ratio | 74.76% | 73.80% | 69.54% | 71.90% | 70.39% | 68.50% | 67.30% | 74.00% | +210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.83% | 3.37% | 6.44% | 13.41% | 17.96% | 11.28% | 4.03% | -2.52% | -1,593 bps | |
| Loan Growth (YoY) | -2.31% | -2.56% | -2.27% | -0.06% | -4.11% | -5.62% | -9.12% | -8.03% | -797 bps | |
| Share Growth (YoY) | -8.49% | 2.83% | 6.70% | 15.86% | 21.93% | 12.75% | 3.56% | -4.63% | -2,049 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.20% | 1.22% | 2.83% | 2.49% | 1.39% | 1.41% | 1.58% | 2.20% | -29 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 | 22.64% | 22.13% | 21.20% | 20.67% | 20.29% | 21.08% | 21.47% | 22.37% | +171 bps | |
| Net Worth / Assets | 22.64% | 22.13% | 21.20% | 20.67% | 20.29% | 21.08% | 21.47% | 22.37% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.17% | 88.32% | 81.75% | 78.66% | 72.48% | 73.92% | 71.74% | 75.86% | -280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |