Dallas, TX · Charter 68439
NCUA · 11 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% | -0.10% | 0.09% | 0.35% | 0.23% | 0.16% | 0.58% | 3.26% | +291 bps | |
| Return on Equity | 2.61% | -1.55% | 1.27% | 4.81% | 3.06% | 2.16% | 7.68% | 31.29% | +2,648 bps | |
| Net Interest Margin | 3.35% | 3.46% | 3.75% | 3.89% | 4.06% | 4.08% | 3.68% | 4.28% | +38 bps | |
| Efficiency Ratio | 85.40% | 87.53% | 82.05% | 80.80% | 78.75% | 78.74% | 86.83% | 60.91% | -1,988 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.09% | -0.59% | -12.09% | -12.92% | -15.74% | -13.56% | -6.86% | -19.92% | -700 bps | |
| Loan Growth (YoY) | -6.04% | -8.83% | -10.94% | -13.45% | -14.43% | -15.50% | -13.51% | -21.47% | -803 bps | |
| Share Growth (YoY) | 5.57% | 4.80% | -12.82% | -13.85% | -16.71% | -14.56% | -7.65% | -22.91% | -907 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 2.09% | 1.01% | 1.46% | 1.89% | 2.11% | 1.56% | 2.33% | +87 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 | 6.95% | 6.76% | 7.04% | 7.28% | 7.61% | 7.45% | 7.61% | 10.43% | +314 bps | |
| Net Worth / Assets | 6.95% | 6.76% | 7.04% | 7.28% | 7.61% | 7.45% | 7.61% | 10.43% | +314 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.75% | 81.20% | 84.82% | 81.82% | 82.95% | 80.30% | 79.43% | 83.35% | +153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |