Denver City, TX · Charter 7677
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 | 1.10% | 1.06% | 2.07% | 1.43% | 1.74% | 1.52% | 0.58% | 0.91% | -51 bps | |
| Return on Equity | 5.02% | 5.28% | 10.04% | 6.62% | 7.50% | 6.24% | 2.41% | 4.30% | -232 bps | |
| Net Interest Margin | 6.68% | 6.21% | 6.46% | 6.52% | 6.91% | 7.22% | 6.54% | 5.80% | -73 bps | |
| Efficiency Ratio | 74.55% | 75.25% | 68.46% | 69.89% | 69.48% | 73.35% | 79.72% | 79.19% | +929 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.30% | 22.33% | 14.25% | 9.68% | 1.24% | -12.09% | -9.79% | 7.07% | -261 bps | |
| Loan Growth (YoY) | 7.39% | 3.98% | 6.34% | -6.76% | -17.47% | -18.31% | -23.03% | -19.65% | -1,289 bps | |
| Share Growth (YoY) | 12.00% | 27.05% | 15.65% | 10.20% | -0.55% | -16.80% | -13.25% | 7.68% | -252 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.92% | 5.28% | 8.84% | 8.34% | 8.46% | 8.60% | 8.82% | 6.76% | -158 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 | 1.87% | 1.94% | 2.02% | 1.82% | 1.82% | 1.87% | 2.20% | 2.20% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.81% | 20.04% | 20.65% | 21.53% | 23.19% | 24.31% | 23.95% | 21.20% | -34 bps | |
| Net Worth / Assets | 21.81% | 20.04% | 20.65% | 21.53% | 23.19% | 24.31% | 23.95% | 21.20% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.28% | 89.03% | 86.43% | 85.83% | 87.36% | 87.41% | 76.69% | 64.05% | -2,179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |