Angleton, TX · Charter 67622
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 | 0.86% | 0.72% | -0.68% | -0.50% | -0.53% | -0.72% | -1.61% | -1.41% | -91 bps | |
| Return on Equity | 7.30% | 6.09% | -6.77% | -5.25% | -5.60% | -7.84% | -18.22% | -16.68% | -1,144 bps | |
| Net Interest Margin | 5.47% | 5.38% | 3.55% | 3.32% | 3.31% | 3.24% | 3.35% | 3.33% | +1 bps | |
| Efficiency Ratio | 86.05% | 89.48% | 122.41% | 115.88% | 115.77% | 122.53% | 138.54% | 134.25% | +1,837 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.88% | -8.50% | 6.13% | 13.55% | 19.30% | 18.94% | 2.78% | -1.07% | -1,462 bps | |
| Loan Growth (YoY) | -0.57% | -14.87% | -24.85% | -19.88% | -17.05% | -13.06% | 4.52% | -1.78% | +1,810 bps | |
| Share Growth (YoY) | -10.91% | -10.06% | 6.34% | 15.35% | 22.37% | 22.52% | 4.26% | 0.10% | -1,525 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | 0.00% | 0 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 | 1.00% | 1.00% | 1.00% | 1.00% | 1.05% | 1.05% | 1.03% | 1.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.76% | 11.84% | 10.07% | 9.51% | 9.53% | 9.23% | 8.84% | 8.44% | -107 bps | |
| Net Worth / Assets | 11.76% | 11.84% | 10.07% | 9.51% | 9.53% | 9.23% | 8.84% | 8.44% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.14% | 81.68% | 64.85% | 62.24% | 61.78% | 57.96% | 65.01% | 61.07% | -117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |