Dallas, TX · Charter 67681
NCUA · 16 branches
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 | 0.44% | 0.38% | 0.16% | 0.26% | 0.51% | 0.54% | 0.69% | 0.66% | +40 bps | |
| Return on Equity | 4.44% | 3.69% | 1.58% | 2.51% | 4.87% | 5.10% | 6.56% | 6.09% | +358 bps | |
| Net Interest Margin | 2.60% | 2.82% | 3.03% | 3.10% | 3.18% | 3.24% | 3.33% | 3.39% | +29 bps | |
| Efficiency Ratio | 69.15% | 70.00% | 74.84% | 72.91% | 71.27% | 71.01% | 70.95% | 70.97% | -194 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.04% | 3.94% | 2.29% | 1.70% | -4.27% | 0.26% | -0.51% | -0.24% | -194 bps | |
| Loan Growth (YoY) | 6.92% | 5.20% | 3.79% | -0.17% | -5.78% | -4.98% | -3.11% | -1.25% | -109 bps | |
| Share Growth (YoY) | 4.70% | 5.66% | 5.96% | 5.52% | -1.31% | -0.98% | -1.52% | -0.99% | -651 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.33% | 0.94% | 1.16% | 1.32% | 1.38% | 1.54% | 1.54% | +38 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 | 9.90% | 10.39% | 10.04% | 10.23% | 10.51% | 10.66% | 10.52% | 10.76% | +52 bps | |
| Net Worth / Assets | 9.90% | 10.39% | 10.04% | 10.23% | 10.51% | 10.66% | 10.52% | 10.76% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.22% | 81.02% | 78.12% | 77.72% | 78.50% | 77.75% | 76.86% | 77.51% | -21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |