Port Neches, TX · Charter 97089
NCUA · 6 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 | 0.33% | 0.29% | 0.22% | 0.27% | 0.35% | 0.33% | 0.42% | 0.49% | +21 bps | |
| Return on Equity | 3.06% | 2.65% | 2.08% | 2.60% | 3.31% | 3.22% | 4.19% | 4.81% | +221 bps | |
| Net Interest Margin | 3.32% | 3.37% | 3.18% | 3.26% | 3.36% | 3.30% | 3.27% | 3.34% | +8 bps | |
| Efficiency Ratio | 91.98% | 92.55% | 92.65% | 91.23% | 90.85% | 90.61% | 90.82% | 87.98% | -325 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.54% | 0.81% | 5.08% | 7.08% | 5.59% | 10.27% | 9.18% | 7.49% | +42 bps | |
| Loan Growth (YoY) | -1.88% | -2.06% | -0.71% | 3.27% | 5.85% | 7.63% | 7.13% | 6.59% | +332 bps | |
| Share Growth (YoY) | 1.53% | 2.88% | 4.08% | 5.32% | 4.11% | 7.45% | 6.73% | 6.52% | +120 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.53% | 0.38% | 0.46% | 0.41% | 0.51% | 0.18% | 0.29% | -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 | 10.91% | 11.08% | 10.58% | 10.40% | 10.61% | 10.36% | 10.05% | 10.10% | -31 bps | |
| Net Worth / Assets | 10.91% | 11.08% | 10.58% | 10.40% | 10.61% | 10.36% | 10.05% | 10.10% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.04% | 71.14% | 67.40% | 70.11% | 72.23% | 71.26% | 67.65% | 70.15% | +4 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |