Cleburne, TX · Charter 67649
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.03% | 0.90% | 0.97% | 1.01% | 1.04% | 0.85% | 0.95% | -2 bps | |
| Return on Equity | 9.40% | 9.28% | 8.23% | 8.75% | 9.05% | 9.24% | 7.74% | 8.43% | -32 bps | |
| Net Interest Margin | 4.51% | 4.31% | 4.26% | 4.20% | 4.21% | 4.12% | 3.79% | 3.83% | -37 bps | |
| Efficiency Ratio | 74.63% | 74.77% | 80.57% | 78.99% | 77.29% | 76.58% | 79.91% | 78.38% | -62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.23% | 6.20% | 6.27% | 9.85% | 12.57% | 9.30% | 9.71% | 7.96% | -189 bps | |
| Loan Growth (YoY) | 5.03% | 5.48% | 1.66% | -2.32% | -1.81% | -7.19% | -7.09% | -0.32% | +200 bps | |
| Share Growth (YoY) | -3.02% | 5.62% | 6.16% | 10.04% | 12.84% | 10.61% | 9.83% | 8.77% | -127 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.88% | 0.61% | 0.69% | 0.65% | 0.96% | 0.83% | 0.68% | -1 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 | 11.46% | 11.15% | 10.98% | 11.06% | 11.19% | 11.24% | 11.01% | 11.27% | +21 bps | |
| Net Worth / Assets | 11.46% | 11.15% | 10.98% | 11.06% | 11.19% | 11.24% | 11.01% | 11.27% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.09% | 65.46% | 58.54% | 59.66% | 58.38% | 54.93% | 49.52% | 54.67% | -499 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |