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Scurry County School

Snyder, TX · Charter 10551

NCUA · 1 branch

Q2 2026

$13.2MAssets
$7.3MLoans
$11.4MShares
$1.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.83%, down 470 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.53% of loans (-15 bps YoY).
  • Capital: net worth / assets of 13.89%, down 411 bps from a year ago.
  • Funding: loans stand at 63.93% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-4.83%-470 bps YoY

Net Interest Margin (quarter, annualized)

2.40%-24 bps YoY

Efficiency Ratio (quarter, annualized)

134.12%+2,924 bps YoY

Net Worth / Assets

13.89%-411 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.14%0.00%0.31%-2.22%-4.83%-470 bps
Return on Equity-0.77%-0.02%1.76%-13.18%-34.79%-3,403 bps
Net Interest Margin2.64%2.73%2.86%2.25%2.40%-24 bps
Efficiency Ratio104.88%100.14%91.99%160.97%134.12%+2,924 bps
Growth
Asset Growth (YoY)4.04%7.30%10.42%11.15%13.75%+971 bps
Loan Growth (YoY)19.39%16.44%10.58%12.16%8.53%-1,085 bps
Share Growth (YoY)5.26%10.51%12.58%12.94%18.92%+1,366 bps
Asset Quality
Delinquent Loans / Loans0.69%0.70%0.58%0.70%0.53%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.00%18.22%17.81%16.85%13.89%-411 bps
Net Worth / Assets18.00%18.22%17.81%16.85%13.89%-411 bps
Liquidity & Funding
Loans / Shares70.04%72.29%68.14%67.97%63.93%-612 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps