Beaumont, TX · Charter 68735
NCUA · 14 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 | 0.35% | 0.41% | 0.44% | 0.45% | 0.48% | 0.57% | 0.73% | 0.70% | +24 bps | |
| Return on Equity | 2.51% | 3.00% | 3.28% | 3.46% | 3.68% | 4.48% | 5.92% | 5.42% | +196 bps | |
| Net Interest Margin | 3.06% | 3.09% | 3.22% | 3.24% | 3.29% | 3.28% | 3.35% | 3.53% | +29 bps | |
| Efficiency Ratio | 87.21% | 85.61% | 81.68% | 81.13% | 80.53% | 78.71% | 74.52% | 75.24% | -588 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.91% | -2.42% | 0.10% | 4.36% | 8.01% | 10.54% | 13.74% | 6.86% | +250 bps | |
| Loan Growth (YoY) | 0.43% | 2.31% | 3.77% | 9.46% | 14.81% | 15.50% | 14.91% | 9.61% | +15 bps | |
| Share Growth (YoY) | 0.41% | -2.04% | -0.98% | 3.91% | 6.52% | 10.11% | 17.10% | 8.55% | +464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.68% | 0.48% | 0.46% | 0.60% | 0.73% | 0.52% | 0.57% | +12 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 | 13.77% | 13.70% | 13.52% | 13.13% | 13.07% | 12.80% | 12.36% | 12.82% | -31 bps | |
| Net Worth / Assets | 13.77% | 13.70% | 13.52% | 13.13% | 13.07% | 12.80% | 12.36% | 12.82% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.42% | 99.75% | 101.24% | 103.26% | 105.01% | 104.64% | 99.34% | 104.27% | +101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |