Plano, TX · Charter 68505
NCUA · 11 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -1.50% | -1.86% | -0.79% | -0.05% | 0.17% | -0.47% | 0.97% | +176 bps | |
| Return on Equity | -11.72% | -17.84% | -23.54% | -9.56% | -0.56% | 2.02% | -5.61% | 10.94% | +2,050 bps | |
| Net Interest Margin | 2.74% | 2.81% | 2.76% | 2.96% | 3.07% | 3.12% | 3.20% | 3.22% | +26 bps | |
| Efficiency Ratio | 104.66% | 112.51% | 132.30% | 101.39% | 89.04% | 86.49% | 114.63% | 78.43% | -2,296 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.63% | -9.35% | -6.80% | -7.90% | -4.99% | -1.97% | -1.39% | 3.26% | +1,117 bps | |
| Loan Growth (YoY) | -13.50% | -13.16% | -10.74% | -5.66% | -1.39% | 3.98% | 5.52% | 2.74% | +840 bps | |
| Share Growth (YoY) | -6.08% | -3.97% | -3.14% | -3.88% | -3.52% | -3.27% | -2.22% | 1.47% | +534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 1.50% | 1.14% | 1.22% | 1.13% | 1.90% | 1.13% | 1.38% | +15 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 | 8.91% | 8.39% | 7.91% | 8.24% | 8.51% | 8.62% | 8.44% | 8.91% | +67 bps | |
| Net Worth / Assets | 8.91% | 8.39% | 7.91% | 8.24% | 8.51% | 8.62% | 8.44% | 8.91% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.91% | 83.77% | 82.46% | 87.78% | 88.82% | 90.05% | 88.99% | 88.88% | +110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.89% | 0.00% | 99.50% | +9,950 bps | |