Bishop, TX · Charter 7129
NCUA · 6 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 | 0.86% | 0.83% | 0.57% | 0.67% | 0.77% | 0.79% | 0.81% | 0.80% | +13 bps | |
| Return on Equity | 6.84% | 6.70% | 4.79% | 5.68% | 6.33% | 6.73% | 6.76% | 6.63% | +95 bps | |
| Net Interest Margin | 2.88% | 2.86% | 2.75% | 2.80% | 2.91% | 2.85% | 3.07% | 2.98% | +18 bps | |
| Efficiency Ratio | 72.72% | 72.69% | 78.48% | 76.31% | 74.40% | 73.17% | 73.79% | 76.51% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.79% | 8.40% | 10.88% | 13.45% | 9.57% | 11.81% | 5.92% | 4.31% | -914 bps | |
| Loan Growth (YoY) | -2.15% | -2.26% | 0.64% | 3.08% | 5.36% | 8.22% | 9.64% | 1.39% | -169 bps | |
| Share Growth (YoY) | 9.63% | 8.83% | 11.80% | 14.99% | 10.28% | 12.51% | 5.99% | 3.60% | -1,139 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.92% | 0.85% | 0.68% | 1.20% | 1.10% | 0.85% | 0.75% | +7 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 | 12.56% | 12.38% | 11.82% | 11.81% | 12.13% | 11.78% | 11.93% | 12.11% | +29 bps | |
| Net Worth / Assets | 12.56% | 12.38% | 11.82% | 11.81% | 12.13% | 11.78% | 11.93% | 12.11% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.02% | 69.27% | 64.83% | 65.51% | 67.85% | 66.64% | 67.06% | 64.11% | -140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |