Corpus Christi, TX · Charter 68615
NCUA · 23 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 | 0.64% | 0.60% | 0.78% | 0.58% | 0.93% | 1.03% | 1.30% | 1.16% | +58 bps | |
| Return on Equity | 4.71% | 4.42% | 5.90% | 4.34% | 6.88% | 7.48% | 9.33% | 8.28% | +395 bps | |
| Net Interest Margin | 3.28% | 3.30% | 3.47% | 3.62% | 3.67% | 3.72% | 3.88% | 3.95% | +33 bps | |
| Efficiency Ratio | 60.61% | 60.12% | 60.27% | 59.19% | 58.27% | 57.56% | 55.46% | 55.92% | -327 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.43% | 4.64% | 5.96% | 5.62% | 4.96% | 4.69% | 2.32% | 3.61% | -201 bps | |
| Loan Growth (YoY) | 5.58% | 6.35% | 7.53% | 6.71% | 5.25% | 4.97% | 3.18% | 4.90% | -181 bps | |
| Share Growth (YoY) | 3.61% | 5.06% | 6.12% | 7.19% | 5.71% | 4.77% | 3.82% | 3.93% | -326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.84% | 0.65% | 0.78% | 0.81% | 0.96% | 0.77% | 0.75% | -3 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 | 13.54% | 13.48% | 13.23% | 13.30% | 13.58% | 13.77% | 13.94% | 14.02% | +72 bps | |
| Net Worth / Assets | 13.54% | 13.48% | 13.23% | 13.30% | 13.58% | 13.77% | 13.94% | 14.02% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.71% | 104.94% | 103.21% | 104.04% | 104.25% | 105.14% | 102.58% | 105.00% | +96 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |