Huntsville, TX · Charter 67974
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 | 0.34% | 0.39% | 0.11% | 0.69% | 0.66% | 0.54% | 0.05% | 0.44% | -24 bps | |
| Return on Equity | 3.78% | 4.14% | 1.16% | 7.36% | 7.08% | 5.84% | 0.58% | 4.69% | -267 bps | |
| Net Interest Margin | 3.86% | 4.06% | 4.09% | 4.15% | 4.14% | 4.16% | 4.54% | 4.55% | +40 bps | |
| Efficiency Ratio | 87.90% | 86.67% | 87.48% | 81.23% | 81.08% | 79.29% | 83.06% | 80.91% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.23% | 6.90% | 3.52% | 2.41% | 2.78% | 8.61% | 4.52% | 3.31% | +90 bps | |
| Loan Growth (YoY) | 0.09% | 1.52% | 5.60% | 7.77% | 13.07% | 16.61% | 13.93% | 9.56% | +179 bps | |
| Share Growth (YoY) | 2.34% | 8.30% | 12.44% | 11.00% | 9.36% | 9.00% | 4.35% | 4.40% | -660 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.76% | 0.55% | 1.03% | 0.93% | 0.77% | 0.43% | 0.82% | -20 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 | 8.93% | 9.38% | 9.16% | 9.32% | 9.31% | 9.17% | 9.29% | 9.45% | +13 bps | |
| Net Worth / Assets | 8.93% | 9.38% | 9.16% | 9.32% | 9.31% | 9.17% | 9.29% | 9.45% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.09% | 79.28% | 78.77% | 80.95% | 82.81% | 84.82% | 86.00% | 84.95% | +400 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |