Fort Worth, TX · Charter 68589
NCUA · 7 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 | -0.09% | -0.05% | -0.12% | -0.15% | -0.20% | -0.20% | -0.29% | -0.41% | -26 bps | |
| Return on Equity | -1.03% | -0.58% | -1.47% | -1.73% | -2.33% | -2.30% | -3.51% | -4.85% | -313 bps | |
| Net Interest Margin | 3.41% | 3.49% | 3.46% | 3.61% | 3.78% | 3.88% | 3.73% | 3.81% | +20 bps | |
| Efficiency Ratio | 88.00% | 87.55% | 90.45% | 90.85% | 92.11% | 91.35% | 95.53% | 96.51% | +565 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 1.45% | 2.51% | -0.58% | -6.50% | -6.47% | -6.52% | -4.87% | -428 bps | |
| Loan Growth (YoY) | -6.19% | -6.70% | -8.22% | -9.15% | -9.87% | -10.64% | -9.82% | -5.79% | +335 bps | |
| Share Growth (YoY) | 3.21% | 1.14% | 1.58% | -1.15% | -6.65% | -7.80% | -7.19% | -5.42% | -428 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 1.24% | 0.77% | 0.65% | 0.58% | 0.90% | 0.70% | 0.98% | +32 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 | 8.52% | 8.55% | 8.25% | 8.48% | 8.78% | 8.74% | 8.39% | 8.39% | -9 bps | |
| Net Worth / Assets | 8.52% | 8.55% | 8.25% | 8.48% | 8.78% | 8.74% | 8.39% | 8.39% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.59% | 66.34% | 61.95% | 62.41% | 64.30% | 64.29% | 60.19% | 62.16% | -24 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |