Tyler, TX · Charter 67869
NCUA · 2 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 | 0.32% | 0.27% | 0.43% | 0.49% | 0.46% | 0.52% | 0.95% | 0.87% | +37 bps | |
| Return on Equity | 1.15% | 0.99% | 1.57% | 1.80% | 1.69% | 1.92% | 3.42% | 3.16% | +137 bps | |
| Net Interest Margin | 2.50% | 2.54% | 2.62% | 2.62% | 2.65% | 2.75% | 2.99% | 3.01% | +39 bps | |
| Efficiency Ratio | 90.48% | 93.60% | 85.39% | 84.19% | 83.41% | 81.53% | 69.19% | 70.47% | -1,373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | 4.65% | 3.27% | 2.92% | 1.74% | 2.17% | -0.29% | -0.29% | -322 bps | |
| Loan Growth (YoY) | -5.58% | -6.93% | -5.06% | -3.92% | -4.45% | -5.08% | -7.80% | -4.64% | -72 bps | |
| Share Growth (YoY) | 5.05% | 5.97% | 3.96% | 3.75% | 1.85% | 2.17% | -1.12% | -1.38% | -513 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.58% | 0.34% | 0.40% | 2.11% | 2.55% | 2.34% | 0.68% | +28 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 | 27.87% | 27.60% | 27.45% | 27.44% | 27.38% | 27.15% | 27.80% | 27.38% | -6 bps | |
| Net Worth / Assets | 27.87% | 27.60% | 27.45% | 27.44% | 27.38% | 27.15% | 27.80% | 27.38% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.84% | 100.22% | 98.89% | 98.56% | 97.42% | 93.11% | 92.21% | 95.30% | -326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |