Tyler, TX · Charter 67638
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.29% | 0.14% | -0.86% | -0.01% | -12 bps | |
| Return on Equity | 0.72% | 1.86% | 0.85% | -5.45% | -0.05% | -77 bps | |
| Net Interest Margin | 4.04% | 4.15% | 4.29% | 4.26% | 4.27% | +23 bps | |
| Efficiency Ratio | 85.92% | 82.53% | 85.08% | 87.89% | 86.25% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.01% | 6.42% | -0.27% | -4.80% | -3.43% | -1,044 bps | |
| Loan Growth (YoY) | -12.38% | -14.84% | -15.50% | -12.21% | -4.43% | +795 bps | |
| Share Growth (YoY) | 8.13% | 7.64% | 0.32% | -5.31% | -3.97% | -1,210 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.70% | 1.38% | 1.61% | 0.95% | 1.04% | -66 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 | 15.39% | 15.66% | 16.13% | 15.86% | 16.01% | +62 bps | |
| Net Worth / Assets | 15.39% | 15.66% | 16.13% | 15.86% | 16.01% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.71% | 68.07% | 66.79% | 66.49% | 70.37% | -34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |