Dallas, TX · Charter 7731
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.60% | 0.85% | 0.69% | 0.69% | 0.30% | 1.69% | 1.13% | +44 bps | |
| Return on Equity | 6.65% | 5.01% | 7.10% | 5.40% | 5.23% | 2.31% | 12.47% | 8.21% | +281 bps | |
| Net Interest Margin | 5.64% | 5.52% | 4.86% | 5.15% | 5.14% | 5.12% | 4.68% | 4.47% | -68 bps | |
| Efficiency Ratio | 62.09% | 67.76% | 75.99% | 79.24% | 75.98% | 77.92% | 83.21% | 95.35% | +1,611 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.51% | -3.56% | -1.16% | -3.56% | -4.80% | -5.67% | -8.69% | -3.97% | -40 bps | |
| Loan Growth (YoY) | -2.42% | -5.39% | -6.21% | -11.05% | -10.74% | -11.38% | -13.16% | -10.33% | +72 bps | |
| Share Growth (YoY) | -9.89% | -4.50% | -1.57% | -4.01% | -5.82% | -6.87% | -10.44% | -5.37% | -136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.74% | 6.37% | 5.89% | 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 | 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 | 12.04% | 11.98% | 11.98% | 12.80% | 13.10% | 12.94% | 13.55% | 13.77% | +98 bps | |
| Net Worth / Assets | 12.04% | 11.98% | 11.98% | 12.80% | 13.10% | 12.94% | 13.55% | 13.77% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.83% | 47.93% | 45.96% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |