Irving, TX · Charter 68606
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | 0.03% | 0.04% | 0.05% | 0.36% | +38 bps | |
| Return on Equity | -0.31% | 0.44% | 0.53% | 0.66% | 4.48% | +479 bps | |
| Net Interest Margin | 2.59% | 2.63% | 2.70% | 2.90% | 2.93% | +34 bps | |
| Efficiency Ratio | 67.76% | 66.95% | 67.21% | 65.64% | 62.70% | -506 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.29% | -4.77% | -3.60% | -2.37% | -0.84% | +645 bps | |
| Loan Growth (YoY) | -7.90% | -4.36% | -3.22% | -2.39% | -1.56% | +634 bps | |
| Share Growth (YoY) | -5.64% | -5.12% | -4.22% | -2.83% | -1.10% | +454 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 1.10% | 1.40% | 0.96% | 0.97% | -9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.74% | 7.71% | 7.78% | 7.82% | 8.02% | +28 bps | |
| Net Worth / Assets | 7.74% | 7.71% | 7.78% | 7.82% | 8.02% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.05% | 97.84% | 95.64% | 95.39% | 96.60% | -45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |