Dallas, TX · Charter 68449
NCUA · 4 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 | 0.33% | 0.44% | 0.24% | 0.25% | 0.23% | 0.22% | 0.25% | 0.49% | +23 bps | |
| Return on Equity | 3.55% | 4.90% | 2.80% | 2.93% | 2.65% | 2.54% | 2.92% | 5.44% | +251 bps | |
| Net Interest Margin | 3.51% | 3.39% | 3.33% | 3.43% | 3.43% | 3.50% | 3.47% | 3.56% | +13 bps | |
| Efficiency Ratio | 86.46% | 81.48% | 89.86% | 88.04% | 87.11% | 85.55% | 86.34% | 83.70% | -434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.07% | 1.33% | 7.29% | 8.08% | 12.59% | 6.14% | 0.76% | 0.41% | -767 bps | |
| Loan Growth (YoY) | 6.68% | 7.92% | 3.28% | 0.67% | 0.66% | 1.05% | -1.09% | -1.77% | -244 bps | |
| Share Growth (YoY) | -4.39% | 0.28% | 6.05% | 6.88% | 11.46% | 6.20% | 0.40% | 0.21% | -667 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.70% | 0.24% | 0.41% | 0.34% | 0.57% | 0.20% | 0.25% | -16 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 | 9.31% | 8.98% | 8.55% | 8.66% | 8.59% | 8.64% | 8.68% | 8.93% | +26 bps | |
| Net Worth / Assets | 9.31% | 8.98% | 8.55% | 8.66% | 8.59% | 8.64% | 8.68% | 8.93% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.25% | 77.42% | 72.47% | 73.43% | 71.58% | 73.67% | 71.39% | 71.98% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |