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Letter portraitLegal landscapeQuarterYTD

Wright Patman Congressional

Washington, DC · Charter 8797

NCUA · 6 branches

Q2 2026

$1.3BAssets
$805.1MLoans
$1.1BShares
$142.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.80%, up 27 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 1.62% of loans (+51 bps YoY).
  • Capital: net worth / assets of 11.04%, up 28 bps from a year ago.
  • Funding: loans stand at 70.29% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+13 bps YoY

Efficiency Ratio (YTD, annualized)

77.89%-367 bps YoY

Net Worth / Assets

11.04%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%0.83%0.55%0.53%0.44%0.42%0.64%0.80%+27 bps
Return on Equity9.49%7.87%5.27%4.97%4.10%4.04%6.11%7.24%+227 bps
Net Interest Margin3.14%3.05%3.10%3.24%3.28%3.19%3.22%3.37%+13 bps
Efficiency Ratio71.69%75.27%82.82%81.56%83.76%82.29%79.72%77.89%-367 bps
Growth
Asset Growth (YoY)1.48%2.42%5.20%4.61%4.85%4.96%3.08%2.17%-244 bps
Loan Growth (YoY)3.06%0.02%0.07%1.48%1.89%6.14%8.42%8.33%+685 bps
Share Growth (YoY)-0.76%2.93%4.21%4.26%4.69%4.45%2.68%1.77%-249 bps
Asset Quality
Delinquent Loans / Loans1.20%1.28%1.00%1.11%1.20%1.24%0.90%1.62%+51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.97%10.57%10.37%10.76%10.82%10.44%10.45%11.04%+28 bps
Net Worth / Assets10.97%10.57%10.37%10.76%10.82%10.44%10.45%11.04%+28 bps
Liquidity & Funding
Loans / Shares68.85%65.69%62.80%66.04%67.01%66.76%66.31%70.29%+425 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps