Temple, TX · Charter 68608
NCUA · 8 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 | 0.66% | 0.64% | 0.45% | 0.89% | 1.14% | 1.04% | 1.40% | 1.31% | +43 bps | |
| Return on Equity | 7.05% | 6.74% | 4.74% | 9.10% | 11.25% | 10.14% | 13.47% | 12.54% | +344 bps | |
| Net Interest Margin | 3.43% | 3.53% | 3.77% | 3.86% | 3.91% | 3.93% | 4.02% | 4.04% | +18 bps | |
| Efficiency Ratio | 77.30% | 77.03% | 77.60% | 72.84% | 70.64% | 70.47% | 68.11% | 69.74% | -310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.78% | 8.94% | 10.80% | 5.30% | 2.45% | 2.87% | 2.85% | 4.59% | -71 bps | |
| Loan Growth (YoY) | 1.10% | -0.22% | 0.02% | 1.08% | -0.42% | 3.92% | 4.52% | 4.40% | +332 bps | |
| Share Growth (YoY) | 10.96% | 8.83% | 10.98% | 5.30% | 1.77% | 2.26% | 2.15% | 3.92% | -138 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.57% | 0.49% | 0.61% | 0.47% | 0.47% | 0.51% | 0.60% | -1 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 | 9.40% | 9.56% | 9.46% | 9.75% | 10.09% | 10.25% | 10.38% | 10.48% | +74 bps | |
| Net Worth / Assets | 9.40% | 9.56% | 9.46% | 9.75% | 10.09% | 10.25% | 10.38% | 10.48% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.20% | 89.72% | 87.10% | 89.13% | 88.25% | 91.17% | 89.12% | 89.55% | +41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |