Laredo, TX · Charter 7024
NCUA · 1 branch
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 | 0.97% | 0.96% | 0.20% | 0.31% | 0.34% | 0.28% | 0.77% | 0.47% | +16 bps | |
| Return on Equity | 7.25% | 6.53% | 1.37% | 2.17% | 2.40% | 1.92% | 4.90% | 3.01% | +84 bps | |
| Net Interest Margin | 5.03% | 5.40% | 4.80% | 4.70% | 4.65% | 4.69% | 4.73% | 4.68% | -2 bps | |
| Efficiency Ratio | 75.68% | 78.78% | 96.25% | 94.10% | 94.57% | 95.08% | 85.76% | 87.47% | -663 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | -7.61% | -6.59% | -5.34% | -3.63% | 4.13% | 2.85% | 2.04% | +738 bps | |
| Loan Growth (YoY) | -6.98% | -17.59% | -14.63% | -12.51% | -9.29% | 4.74% | 0.02% | -0.71% | +1,181 bps | |
| Share Growth (YoY) | -5.26% | -10.09% | -8.85% | -7.55% | -5.23% | 3.80% | 2.23% | 1.77% | +932 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.52% | 0.12% | 0.16% | 0.19% | 0.62% | 1.72% | 0.15% | -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 | 0.15% | 0.17% | 0.17% | 0.18% | 0.07% | 0.13% | 0.11% | 0.20% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.37% | 14.67% | 14.51% | 14.30% | 14.29% | 14.36% | 15.64% | 15.47% | +116 bps | |
| Net Worth / Assets | 13.37% | 14.67% | 14.51% | 14.30% | 14.29% | 14.36% | 15.64% | 15.47% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.17% | 84.72% | 84.46% | 82.50% | 81.53% | 85.49% | 82.64% | 80.49% | -200 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |