Teague, TX · Charter 68005
NCUA · 3 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 | 1.07% | 1.20% | 1.12% | 1.13% | 1.20% | 1.17% | 0.25% | 0.54% | -59 bps | |
| Return on Equity | 10.35% | 11.55% | 10.71% | 11.17% | 11.66% | 11.40% | 2.47% | 5.21% | -597 bps | |
| Net Interest Margin | 2.99% | 2.96% | 3.14% | 3.04% | 3.06% | 2.98% | 2.75% | 2.88% | -16 bps | |
| Efficiency Ratio | 73.52% | 70.24% | 72.79% | 71.52% | 70.14% | 68.36% | 82.36% | 80.86% | +934 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.02% | 14.44% | 10.45% | 13.10% | 15.13% | 13.50% | 14.69% | 7.33% | -577 bps | |
| Loan Growth (YoY) | 4.99% | 8.28% | 10.02% | 4.52% | 7.75% | 4.49% | 6.47% | 5.56% | +104 bps | |
| Share Growth (YoY) | 14.53% | 14.82% | 10.20% | 13.52% | 14.73% | 12.27% | 13.48% | 5.61% | -791 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.05% | 0.06% | 0.03% | 0.09% | 0.06% | 0.11% | 0.10% | +7 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 | 10.37% | 10.37% | 10.43% | 10.13% | 10.28% | 10.31% | 10.04% | 10.32% | +19 bps | |
| Net Worth / Assets | 10.37% | 10.37% | 10.43% | 10.13% | 10.28% | 10.31% | 10.04% | 10.32% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.91% | 59.41% | 58.49% | 55.93% | 57.20% | 55.29% | 54.88% | 55.90% | -3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |