Port Neches, TX · Charter 7916
NCUA · 11 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 | 1.12% | 1.08% | 1.40% | 1.74% | 1.73% | 1.63% | 2.09% | 2.14% | +40 bps | |
| Return on Equity | 7.36% | 7.06% | 9.44% | 11.45% | 11.37% | 10.77% | 14.24% | 14.57% | +312 bps | |
| Net Interest Margin | 3.62% | 3.67% | 3.80% | 3.93% | 3.94% | 3.89% | 3.75% | 3.90% | -3 bps | |
| Efficiency Ratio | 74.10% | 74.27% | 69.68% | 65.49% | 64.74% | 64.37% | 60.78% | 58.85% | -664 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.91% | 6.69% | 9.59% | 10.61% | 10.18% | 12.10% | 14.03% | 16.37% | +576 bps | |
| Loan Growth (YoY) | 7.77% | 6.24% | 5.69% | 7.27% | 9.86% | 13.28% | 16.64% | 17.26% | +999 bps | |
| Share Growth (YoY) | 7.29% | 7.79% | 11.05% | 10.74% | 9.97% | 12.72% | 14.19% | 17.41% | +667 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.32% | 0.32% | 0.37% | 0.30% | 0.25% | 0.20% | 0.20% | -17 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 | 15.23% | 15.31% | 14.83% | 15.15% | 15.24% | 15.18% | 14.65% | 14.66% | -50 bps | |
| Net Worth / Assets | 15.23% | 15.31% | 14.83% | 15.15% | 15.24% | 15.18% | 14.65% | 14.66% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.61% | 89.00% | 85.65% | 88.11% | 89.51% | 89.45% | 87.48% | 88.00% | -11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |