Port Arthur, TX · Charter 7023
NCUA · 1 branch
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 | -0.19% | -0.11% | -0.62% | -1.00% | -0.63% | -44 bps | |
| Return on Equity | -1.41% | -0.79% | -4.92% | -8.14% | -5.20% | -379 bps | |
| Net Interest Margin | 4.79% | 4.75% | 4.65% | 4.66% | 4.77% | -1 bps | |
| Efficiency Ratio | 96.29% | 96.83% | 98.87% | 105.79% | 101.06% | +477 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.64% | 0.14% | 2.92% | 3.49% | 3.44% | +808 bps | |
| Loan Growth (YoY) | -2.19% | -2.50% | -4.45% | -4.10% | -6.81% | -462 bps | |
| Share Growth (YoY) | -5.49% | 1.45% | 4.91% | 6.13% | 6.88% | +1,236 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.80% | 2.18% | 1.90% | 1.59% | 0.38% | -242 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 | 13.63% | 13.45% | 12.60% | 12.25% | 12.18% | -145 bps | |
| Net Worth / Assets | 13.63% | 13.45% | 12.60% | 12.25% | 12.18% | -145 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.35% | 78.06% | 74.80% | 73.16% | 72.68% | -1,067 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |