Alpine, TX · Charter 68010
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 | 1.19% | 1.34% | 1.14% | 1.19% | 1.28% | 1.14% | 0.64% | 0.70% | -49 bps | |
| Return on Equity | 8.11% | 8.74% | 7.31% | 7.54% | 7.86% | 6.93% | 4.01% | 4.21% | -333 bps | |
| Net Interest Margin | 3.59% | 3.75% | 3.78% | 3.41% | 3.55% | 3.50% | 3.12% | 3.23% | -17 bps | |
| Efficiency Ratio | 60.00% | 60.22% | 68.35% | 67.65% | 66.89% | 70.09% | 80.79% | 78.65% | +1,099 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.99% | -8.55% | -6.00% | -4.53% | -1.42% | 0.75% | 3.15% | -0.21% | +432 bps | |
| Loan Growth (YoY) | 0.23% | 2.82% | 1.33% | -4.34% | -6.34% | -11.84% | -12.23% | -3.89% | +46 bps | |
| Share Growth (YoY) | -12.44% | -11.82% | -8.82% | -6.83% | -3.22% | -0.51% | 2.57% | -1.25% | +558 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.37% | 0.21% | 0.33% | 0.93% | 1.02% | 0.09% | 0.39% | +6 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 | 14.70% | 15.29% | 15.56% | 15.72% | 16.26% | 16.38% | 16.05% | 16.60% | +88 bps | |
| Net Worth / Assets | 14.70% | 15.29% | 15.56% | 15.72% | 16.26% | 16.38% | 16.05% | 16.60% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.69% | 34.51% | 33.90% | 31.69% | 31.64% | 30.58% | 29.01% | 30.85% | -85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |