Nederland, TX · Charter 68643
NCUA · 9 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 | 0.25% | 0.29% | 0.35% | 0.78% | 0.65% | 0.77% | 0.00% | 0.45% | -33 bps | |
| Return on Equity | 2.67% | 3.08% | 3.86% | 8.52% | 7.26% | 8.58% | -0.05% | 5.15% | -337 bps | |
| Net Interest Margin | 3.21% | 3.24% | 3.42% | 3.56% | 3.52% | 3.51% | 3.54% | 3.66% | +10 bps | |
| Efficiency Ratio | 83.78% | 82.85% | 83.27% | 75.97% | 77.45% | 74.58% | 82.85% | 77.97% | +200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | 4.94% | 7.33% | 8.72% | 11.18% | 12.55% | 9.31% | 6.67% | -205 bps | |
| Loan Growth (YoY) | 6.44% | 5.44% | 5.67% | 7.88% | 11.16% | 11.44% | 10.62% | 9.13% | +125 bps | |
| Share Growth (YoY) | 4.32% | 8.37% | 9.04% | 9.82% | 11.10% | 11.88% | 9.09% | 7.16% | -266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.60% | 0.50% | 0.47% | 0.72% | 0.76% | 0.62% | 0.76% | +28 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 | 9.43% | 9.31% | 9.04% | 9.17% | 9.00% | 8.99% | 8.90% | 8.78% | -39 bps | |
| Net Worth / Assets | 9.43% | 9.31% | 9.04% | 9.17% | 9.00% | 8.99% | 8.90% | 8.78% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.79% | 86.97% | 85.01% | 86.95% | 87.83% | 86.64% | 86.20% | 88.54% | +159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |