Evadale, TX · Charter 97098
NCUA · 5 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 | 0.17% | 0.63% | -0.04% | 0.74% | 0.94% | 1.07% | 1.05% | 1.10% | +35 bps | |
| Return on Equity | 1.54% | 5.69% | -0.41% | 6.71% | 8.26% | 9.36% | 9.35% | 9.52% | +281 bps | |
| Net Interest Margin | 3.36% | 3.44% | 3.80% | 3.86% | 3.94% | 3.89% | 3.79% | 3.88% | +2 bps | |
| Efficiency Ratio | 86.24% | 84.12% | 83.08% | 76.09% | 75.35% | 74.55% | 76.09% | 76.24% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.71% | 1.56% | 3.59% | 4.11% | 5.50% | 6.54% | 8.14% | 7.30% | +319 bps | |
| Loan Growth (YoY) | -3.89% | -5.62% | -6.19% | -6.24% | -6.02% | -2.84% | -1.72% | 2.62% | +886 bps | |
| Share Growth (YoY) | -0.43% | 0.87% | 3.67% | 3.68% | 4.93% | 6.36% | 7.52% | 6.71% | +303 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.22% | 0.29% | 0.14% | 0.18% | 0.12% | 0.24% | 0.16% | +2 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 | 10.82% | 11.11% | 10.72% | 11.09% | 11.43% | 11.47% | 11.19% | 11.54% | +45 bps | |
| Net Worth / Assets | 10.82% | 11.11% | 10.72% | 11.09% | 11.43% | 11.47% | 11.19% | 11.54% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.36% | 63.47% | 59.15% | 59.00% | 58.54% | 57.98% | 54.06% | 56.74% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |