Corpus Christi, TX · Charter 68300
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 | 0.56% | 0.48% | -0.54% | 0.00% | 0.16% | 0.17% | 0.22% | 0.17% | +17 bps | |
| Return on Equity | 5.36% | 4.59% | -5.26% | -0.02% | 1.47% | 1.55% | 2.10% | 1.52% | +154 bps | |
| Net Interest Margin | 4.44% | 4.46% | 4.21% | 4.49% | 4.59% | 4.51% | 4.21% | 4.38% | -10 bps | |
| Efficiency Ratio | 74.90% | 78.09% | 79.18% | 79.03% | 78.37% | 78.97% | 85.39% | 83.64% | +461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.89% | -3.68% | -2.91% | -5.53% | -3.20% | -2.20% | 0.24% | -0.15% | +538 bps | |
| Loan Growth (YoY) | -6.32% | -7.90% | -9.10% | -5.28% | -6.67% | -3.89% | -2.47% | -10.92% | -564 bps | |
| Share Growth (YoY) | -4.00% | -4.51% | -3.73% | -7.24% | -3.78% | -2.88% | -0.10% | 0.02% | +726 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 1.62% | 2.41% | 2.62% | 2.19% | 1.44% | 0.56% | 0.40% | -222 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 | 10.36% | 10.45% | 10.26% | 10.72% | 10.89% | 10.86% | 10.59% | 10.99% | +27 bps | |
| Net Worth / Assets | 10.36% | 10.45% | 10.26% | 10.72% | 10.89% | 10.86% | 10.59% | 10.99% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.53% | 56.57% | 53.16% | 58.18% | 56.77% | 55.98% | 51.90% | 51.81% | -637 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |