Groves, TX · Charter 8298
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 1.34% | 1.07% | 0.38% | 0.05% | -141 bps | |
| Return on Equity | 7.97% | 7.08% | 5.85% | 2.09% | 0.27% | -770 bps | |
| Net Interest Margin | 4.05% | 4.21% | 4.08% | 4.05% | 4.07% | +2 bps | |
| Efficiency Ratio | 72.59% | 73.93% | 78.00% | 89.40% | 93.37% | +2,078 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.30% | 5.04% | 9.19% | 4.78% | 0.34% | -496 bps | |
| Loan Growth (YoY) | -8.21% | -8.69% | -6.94% | -6.04% | -5.73% | +248 bps | |
| Share Growth (YoY) | 4.77% | 4.88% | 9.50% | 4.00% | -0.69% | -546 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.08% | 0.52% | 0.42% | 0.63% | +24 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 | 18.32% | 18.95% | 18.38% | 18.34% | 18.61% | +29 bps | |
| Net Worth / Assets | 18.32% | 18.95% | 18.38% | 18.34% | 18.61% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.38% | 51.09% | 49.66% | 47.26% | 48.77% | -261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |