Corpus Christi, TX · Charter 68482
NCUA · 9 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 | -0.19% | -0.04% | -0.31% | 0.02% | 0.18% | 0.21% | 0.43% | 0.43% | +41 bps | |
| Return on Equity | -1.53% | -0.33% | -2.66% | 0.19% | 1.49% | 1.84% | 3.70% | 3.69% | +350 bps | |
| Net Interest Margin | 2.78% | 2.85% | 2.98% | 3.08% | 3.17% | 3.18% | 3.28% | 3.31% | +24 bps | |
| Efficiency Ratio | 83.44% | 80.45% | 81.74% | 77.95% | 75.77% | 74.70% | 75.29% | 75.32% | -263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.45% | 3.36% | 3.25% | 2.45% | 3.18% | 4.12% | 0.99% | 1.47% | -98 bps | |
| Loan Growth (YoY) | -3.18% | -3.69% | 0.17% | -1.91% | 4.22% | 5.98% | 8.90% | 3.03% | +494 bps | |
| Share Growth (YoY) | -1.37% | 3.93% | 3.36% | 2.48% | 3.07% | 3.51% | 0.06% | 0.44% | -204 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.98% | 2.30% | 1.65% | 1.61% | 1.51% | 1.37% | 0.99% | 0.89% | -72 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 | 12.31% | 12.06% | 11.58% | 11.67% | 11.88% | 11.53% | 11.60% | 11.66% | -2 bps | |
| Net Worth / Assets | 12.31% | 12.06% | 11.58% | 11.67% | 11.88% | 11.53% | 11.60% | 11.66% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.43% | 72.60% | 69.61% | 71.36% | 76.27% | 74.33% | 75.75% | 73.20% | +184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |