Bedford, TX · Charter 68471
NCUA · 10 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 | 0.78% | 0.78% | 1.00% | 0.88% | 0.81% | 0.80% | 0.56% | 0.55% | -32 bps | |
| Return on Equity | 7.65% | 7.61% | 9.85% | 8.55% | 7.83% | 7.63% | 5.29% | 5.12% | -343 bps | |
| Net Interest Margin | 3.08% | 3.01% | 2.93% | 2.94% | 2.95% | 2.95% | 2.86% | 2.96% | +2 bps | |
| Efficiency Ratio | 69.89% | 69.31% | 68.74% | 68.26% | 69.14% | 69.14% | 74.38% | 75.56% | +730 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.55% | 1.51% | 3.93% | 5.50% | 6.78% | 5.07% | 3.02% | 0.56% | -494 bps | |
| Loan Growth (YoY) | -9.07% | -10.64% | -8.43% | -6.40% | -6.64% | -5.37% | -5.84% | -2.70% | +370 bps | |
| Share Growth (YoY) | -2.25% | 1.03% | 3.42% | 5.19% | 6.52% | 4.77% | 2.46% | -0.15% | -534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.86% | 0.59% | 0.67% | 0.80% | 0.64% | 0.63% | 0.62% | -5 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 | 10.25% | 10.20% | 10.17% | 10.24% | 10.38% | 10.49% | 10.55% | 10.81% | +57 bps | |
| Net Worth / Assets | 10.25% | 10.20% | 10.17% | 10.24% | 10.38% | 10.49% | 10.55% | 10.81% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.66% | 59.84% | 57.63% | 56.61% | 54.92% | 54.04% | 52.96% | 55.17% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |