Mansfield, TX · Charter 68434
NCUA · 21 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 | 0.18% | 0.33% | 0.16% | 0.37% | 0.44% | 0.61% | 0.59% | 0.60% | +23 bps | |
| Return on Equity | 1.79% | 3.16% | 1.56% | 3.59% | 4.21% | 5.81% | 5.59% | 5.69% | +210 bps | |
| Net Interest Margin | 2.04% | 2.12% | 2.36% | 2.49% | 2.58% | 2.62% | 2.91% | 2.93% | +44 bps | |
| Efficiency Ratio | 84.74% | 79.91% | 80.70% | 78.01% | 76.90% | 72.09% | 70.53% | 71.33% | -669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.59% | -1.77% | -0.81% | 0.13% | 1.06% | 3.97% | 1.85% | 4.16% | +403 bps | |
| Loan Growth (YoY) | -5.92% | -6.09% | -2.05% | 1.29% | 2.90% | 3.94% | 3.32% | 3.32% | +202 bps | |
| Share Growth (YoY) | 3.29% | 3.14% | 4.37% | 3.80% | 4.21% | 5.19% | 2.81% | 3.45% | -35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.90% | 0.92% | 1.02% | 1.05% | 1.11% | 0.92% | 0.94% | -8 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 | 10.07% | 10.35% | 10.18% | 10.33% | 10.38% | 10.47% | 10.62% | 10.55% | +21 bps | |
| Net Worth / Assets | 10.07% | 10.35% | 10.18% | 10.33% | 10.38% | 10.47% | 10.62% | 10.55% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.33% | 90.98% | 89.56% | 91.25% | 90.18% | 89.90% | 90.00% | 91.13% | -12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |