McALLEN, TX · Charter 8237
NCUA · 3 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 | 0.31% | 0.42% | 0.85% | 0.63% | 0.61% | 0.39% | 0.10% | 0.40% | -23 bps | |
| Return on Equity | 3.47% | 4.54% | 9.62% | 7.18% | 6.83% | 4.55% | 1.24% | 4.68% | -250 bps | |
| Net Interest Margin | 3.81% | 3.84% | 3.67% | 3.64% | 3.77% | 3.69% | 3.43% | 3.44% | -19 bps | |
| Efficiency Ratio | 84.21% | 81.64% | 79.07% | 81.65% | 81.62% | 82.72% | 89.80% | 85.01% | +336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.64% | -9.07% | -1.69% | 2.57% | 6.85% | 9.99% | 5.67% | 4.30% | +173 bps | |
| Loan Growth (YoY) | -23.16% | -25.61% | -27.83% | -29.65% | -30.34% | -31.05% | -31.18% | -30.12% | -47 bps | |
| Share Growth (YoY) | -9.79% | -9.83% | -3.27% | 0.99% | 6.36% | 9.19% | 5.18% | 4.23% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.54% | 0.52% | 1.45% | 1.69% | 1.31% | 1.20% | 2.38% | +94 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 | 9.01% | 9.17% | 8.86% | 8.82% | 8.90% | 8.56% | 8.43% | 8.57% | -25 bps | |
| Net Worth / Assets | 9.01% | 9.17% | 8.86% | 8.82% | 8.90% | 8.56% | 8.43% | 8.57% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.68% | 54.22% | 46.79% | 41.52% | 37.78% | 34.24% | 30.62% | 27.84% | -1,368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |