Corpus Christi, TX · Charter 67963
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 | 2.69% | 1.87% | 1.31% | 1.81% | 1.90% | 1.50% | 1.16% | 1.53% | -27 bps | |
| Return on Equity | 13.17% | 9.47% | 6.80% | 8.89% | 9.38% | 7.45% | 5.68% | 7.57% | -133 bps | |
| Net Interest Margin | 5.41% | 5.29% | 5.02% | 5.15% | 5.00% | 4.99% | 4.89% | 4.74% | -41 bps | |
| Efficiency Ratio | 59.17% | 70.84% | 78.53% | 71.13% | 68.82% | 76.83% | 80.55% | 73.58% | +245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.47% | 1.45% | 4.57% | 4.94% | 7.12% | 5.00% | 0.74% | 7.01% | +206 bps | |
| Loan Growth (YoY) | 6.27% | 9.76% | 7.11% | 2.08% | 2.56% | 0.50% | 0.93% | 0.69% | -139 bps | |
| Share Growth (YoY) | -6.94% | -0.95% | 1.28% | 3.64% | 5.13% | 3.77% | -0.38% | 6.50% | +286 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.19% | 0.06% | 0.11% | 0.00% | 0.05% | 0.00% | 0.00% | -11 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 | 20.40% | 19.72% | 19.24% | 20.32% | 20.28% | 20.17% | 20.45% | 20.25% | -7 bps | |
| Net Worth / Assets | 20.40% | 19.72% | 19.24% | 20.32% | 20.28% | 20.17% | 20.45% | 20.25% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.65% | 66.69% | 63.72% | 65.52% | 65.01% | 64.59% | 64.56% | 61.94% | -358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |