Temple, TX · Charter 67612
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 | 2.50% | 2.42% | 2.44% | 2.49% | 2.43% | 2.37% | 2.22% | 2.26% | -23 bps | |
| Return on Equity | 16.92% | 16.05% | 16.33% | 15.24% | 14.45% | 13.56% | 11.70% | 12.22% | -302 bps | |
| Net Interest Margin | 3.75% | 3.60% | 3.56% | 3.82% | 3.87% | 3.82% | 3.76% | 3.86% | +4 bps | |
| Efficiency Ratio | 50.58% | 50.55% | 52.24% | 50.62% | 49.77% | 51.19% | 52.92% | 50.50% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.68% | 4.17% | 8.47% | 1.07% | 2.28% | 0.86% | -1.08% | 1.98% | +91 bps | |
| Loan Growth (YoY) | 12.86% | 4.70% | 5.63% | 2.41% | 3.02% | 8.92% | 6.64% | 9.41% | +700 bps | |
| Share Growth (YoY) | -4.32% | 1.49% | 0.96% | -2.81% | -1.57% | -3.35% | 0.54% | -0.95% | +186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.50% | 0.38% | 0.49% | 0.92% | 0.35% | 0.30% | 0.75% | +27 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 | 14.76% | 15.09% | 14.97% | 16.36% | 16.85% | 17.46% | 18.94% | 18.49% | +214 bps | |
| Net Worth / Assets | 14.76% | 15.09% | 14.97% | 16.36% | 16.85% | 17.46% | 18.94% | 18.49% | +214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.58% | 59.65% | 61.29% | 63.75% | 63.41% | 67.23% | 65.00% | 70.42% | +667 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |