McGregor, TX · Charter 9799
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -2.00% | 0.04% | 0.02% | 0.08% | 0.00% | 0.06% | -0.09% | -11 bps | |
| Return on Equity | -0.22% | -20.74% | 0.42% | 0.16% | 0.79% | 0.01% | 0.59% | -0.93% | -109 bps | |
| Net Interest Margin | 3.68% | 3.67% | 3.53% | 3.64% | 3.90% | 4.09% | 4.44% | 4.63% | +98 bps | |
| Efficiency Ratio | 103.27% | 131.05% | 104.71% | 102.43% | 100.17% | 101.32% | 97.46% | 100.88% | -155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.29% | -2.51% | -5.20% | -5.46% | -3.47% | -4.14% | -1.64% | -4.34% | +112 bps | |
| Loan Growth (YoY) | -12.28% | -15.13% | -13.81% | -6.05% | -4.81% | 1.53% | 0.22% | -3.16% | +289 bps | |
| Share Growth (YoY) | -7.78% | -0.86% | -3.10% | -3.06% | -1.72% | -3.80% | -2.40% | -3.99% | -93 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.05% | 2.30% | 1.49% | 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 | 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 | 11.46% | 9.66% | 9.63% | 9.69% | 9.71% | 9.87% | 9.59% | 9.86% | +18 bps | |
| Net Worth / Assets | 11.46% | 9.66% | 9.63% | 9.69% | 9.71% | 9.87% | 9.59% | 9.86% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.92% | 80.08% | 79.24% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |