McGregor, TX · Charter 9799
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.08% | 0.00% | 0.06% | -0.09% | -11 bps | |
| Return on Equity | 0.16% | 0.79% | 0.01% | 0.59% | -0.93% | -109 bps | |
| Net Interest Margin | 3.64% | 3.90% | 4.09% | 4.44% | 4.63% | +98 bps | |
| Efficiency Ratio | 102.43% | 100.17% | 101.32% | 97.46% | 100.88% | -155 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.46% | -3.47% | -4.14% | -1.64% | -4.34% | +112 bps | |
| Loan Growth (YoY) | -6.05% | -4.81% | 1.53% | 0.22% | -3.16% | +289 bps | |
| Share Growth (YoY) | -3.06% | -1.72% | -3.80% | -2.40% | -3.99% | -93 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 1.45% | 1.87% | 2.47% | 2.40% | +162 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 | 9.69% | 9.71% | 9.87% | 9.59% | 9.86% | +18 bps | |
| Net Worth / Assets | 9.69% | 9.71% | 9.87% | 9.59% | 9.86% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.18% | 82.25% | 84.53% | 81.37% | 85.92% | +73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |