PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Resource

Baytown, TX · Charter 68021

NCUA · 9 branches

Q2 2026

$929.5MAssets
$727.4MLoans
$818.5MShares
$102.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.44%, up 3 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.47% of loans (+9 bps YoY).
  • Capital: net worth / assets of 11.02%, up 77 bps from a year ago.
  • Funding: loans stand at 88.87% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.44%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+11 bps YoY

Efficiency Ratio (YTD, annualized)

74.13%+314 bps YoY

Net Worth / Assets

11.02%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.76%1.12%1.41%1.16%1.13%1.20%1.44%+3 bps
Return on Equity5.89%7.98%11.51%13.75%11.25%11.17%11.37%13.07%-68 bps
Net Interest Margin3.30%3.37%3.79%3.96%3.94%3.82%3.94%4.06%+11 bps
Efficiency Ratio80.30%77.72%74.81%70.99%73.33%73.96%75.89%74.13%+314 bps
Growth
Asset Growth (YoY)6.71%5.43%1.89%0.80%2.67%5.80%3.21%4.07%+327 bps
Loan Growth (YoY)2.95%6.28%8.43%9.33%7.88%4.15%2.16%1.79%-754 bps
Share Growth (YoY)6.43%4.27%6.89%6.33%5.50%6.57%1.21%3.72%-261 bps
Asset Quality
Delinquent Loans / Loans0.60%0.57%0.30%0.37%0.59%0.52%0.60%0.47%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.33%9.56%9.71%10.25%10.28%10.14%10.56%11.02%+77 bps
Net Worth / Assets9.33%9.56%9.71%10.25%10.28%10.14%10.56%11.02%+77 bps
Liquidity & Funding
Loans / Shares90.34%93.61%88.43%90.56%92.38%91.49%89.26%88.87%-169 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps