Lancaster, TX · Charter 68011
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 | -0.42% | 0.16% | 0.42% | 0.36% | 0.14% | 0.28% | -0.70% | -0.20% | -56 bps | |
| Return on Equity | -4.75% | 1.72% | 4.65% | 3.85% | 1.51% | 2.86% | -7.76% | -2.13% | -597 bps | |
| Net Interest Margin | 4.72% | 6.41% | 4.52% | 4.74% | 4.93% | 5.53% | 5.05% | 5.34% | +59 bps | |
| Efficiency Ratio | 97.93% | 89.60% | 99.79% | 93.50% | 92.08% | 87.62% | 101.66% | 96.74% | +325 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | -4.23% | -2.78% | -3.98% | -0.64% | -2.05% | -2.91% | -3.73% | +25 bps | |
| Loan Growth (YoY) | -4.12% | -8.35% | -7.57% | -9.46% | -4.67% | -2.39% | -4.88% | -3.40% | +606 bps | |
| Share Growth (YoY) | -2.84% | -4.57% | -3.99% | -5.16% | -1.74% | -2.86% | -2.49% | -4.02% | +114 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.60% | 0.35% | 0.32% | 0.37% | 0.43% | 0.85% | 0.53% | +22 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 | 8.78% | 9.32% | 9.12% | 9.39% | 9.42% | 9.80% | 9.03% | 9.39% | 0 bps | |
| Net Worth / Assets | 8.78% | 9.32% | 9.12% | 9.39% | 9.42% | 9.80% | 9.03% | 9.39% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.13% | 71.69% | 69.30% | 67.83% | 69.98% | 72.04% | 67.60% | 68.26% | +43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |