Garwood, TX · Charter 67641
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 | 0.53% | 0.40% | 0.17% | 0.20% | 0.15% | 0.14% | 0.29% | 0.29% | +9 bps | |
| Return on Equity | 2.26% | 1.74% | 0.77% | 0.88% | 0.69% | 0.68% | 1.33% | 1.36% | +48 bps | |
| Net Interest Margin | 1.63% | 1.43% | 1.40% | 1.37% | 1.26% | 1.16% | 1.46% | 1.37% | 0 bps | |
| Efficiency Ratio | 68.17% | 72.80% | 87.93% | 85.81% | 88.04% | 87.92% | 80.02% | 79.02% | -680 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.62% | 2.88% | 9.82% | 4.95% | 5.15% | 8.97% | 2.72% | 6.78% | +183 bps | |
| Loan Growth (YoY) | 4.36% | -0.18% | -9.39% | -26.27% | -26.83% | -7.84% | 6.93% | 8.30% | +3,457 bps | |
| Share Growth (YoY) | 5.66% | 3.22% | 12.37% | 6.10% | 6.55% | 11.41% | 3.27% | 8.49% | +240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 0.21% | 0.21% | 0.25% | 0.30% | 0.28% | 0.23% | 0.23% | 0.27% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.43% | 22.79% | 22.33% | 22.66% | 22.41% | 21.06% | 21.92% | 21.42% | -124 bps | |
| Net Worth / Assets | 23.43% | 22.79% | 22.33% | 22.66% | 22.41% | 21.06% | 21.92% | 21.42% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.89% | 27.93% | 23.64% | 19.97% | 20.53% | 23.11% | 24.48% | 19.93% | -4 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |