Haslet, TX · Charter 68545
NCUA · 5 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 | 1.40% | 1.45% | 1.38% | 1.35% | 0.95% | 0.93% | 0.21% | 0.76% | -58 bps | |
| Return on Equity | 12.89% | 12.84% | 12.28% | 11.67% | 8.21% | 7.78% | 1.73% | 5.97% | -569 bps | |
| Net Interest Margin | 4.97% | 4.94% | 4.54% | 4.58% | 4.60% | 4.74% | 5.94% | 4.40% | -18 bps | |
| Efficiency Ratio | 75.75% | 75.01% | 76.18% | 75.99% | 78.23% | 80.28% | 83.14% | 80.18% | +419 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.63% | -0.50% | 1.30% | 2.61% | 3.03% | 1.79% | 4.92% | 3.43% | +82 bps | |
| Loan Growth (YoY) | -9.39% | -5.51% | 0.09% | 5.48% | 5.48% | 2.15% | 1.42% | -0.32% | -579 bps | |
| Share Growth (YoY) | -4.59% | -3.72% | -2.36% | 1.89% | 3.20% | 0.89% | 4.16% | 2.22% | +32 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.83% | 0.94% | 1.74% | 0.50% | 0.36% | 0.35% | 1.02% | -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 | 10.85% | 11.27% | 11.25% | 11.55% | 11.62% | 12.00% | 12.32% | 12.79% | +124 bps | |
| Net Worth / Assets | 10.85% | 11.27% | 11.25% | 11.55% | 11.62% | 12.00% | 12.32% | 12.79% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.14% | 60.03% | 58.90% | 59.53% | 60.45% | 60.78% | 57.35% | 58.05% | -147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |