Dallas, TX · Charter 7731
NCUA · 2 branches
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 | 0.69% | 0.69% | 0.30% | 1.69% | 1.13% | +44 bps | |
| Return on Equity | 5.40% | 5.23% | 2.31% | 12.47% | 8.21% | +281 bps | |
| Net Interest Margin | 5.15% | 5.14% | 5.12% | 4.68% | 4.47% | -68 bps | |
| Efficiency Ratio | 79.24% | 75.98% | 77.92% | 83.21% | 95.35% | +1,611 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.56% | -4.80% | -5.67% | -8.69% | -3.97% | -40 bps | |
| Loan Growth (YoY) | -11.05% | -10.74% | -11.38% | -13.16% | -10.33% | +72 bps | |
| Share Growth (YoY) | -4.01% | -5.82% | -6.87% | -10.44% | -5.37% | -136 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.28% | 2.82% | 3.26% | 3.65% | 4.54% | -74 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 | 12.80% | 13.10% | 12.94% | 13.55% | 13.77% | +98 bps | |
| Net Worth / Assets | 12.80% | 13.10% | 12.94% | 13.55% | 13.77% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.21% | 46.28% | 45.60% | 44.56% | 44.73% | -248 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |