Snyder, TX · Charter 10551
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 | -0.21% | 0.06% | -1.20% | -0.14% | 0.00% | 0.31% | -2.22% | -4.83% | -470 bps | |
| Return on Equity | -1.06% | 0.31% | -6.40% | -0.77% | -0.02% | 1.76% | -13.18% | -34.79% | -3,403 bps | |
| Net Interest Margin | 2.77% | 2.41% | 2.29% | 2.64% | 2.73% | 2.86% | 2.25% | 2.40% | -24 bps | |
| Efficiency Ratio | 92.62% | 92.00% | 149.52% | 104.88% | 100.14% | 91.99% | 160.97% | 134.12% | +2,924 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.53% | 3.50% | 0.50% | 4.04% | 7.30% | 10.42% | 11.15% | 13.75% | +971 bps | |
| Loan Growth (YoY) | 6.42% | 12.34% | 16.38% | 19.39% | 16.44% | 10.58% | 12.16% | 8.53% | -1,085 bps | |
| Share Growth (YoY) | 0.16% | 4.37% | 1.28% | 5.26% | 10.51% | 12.58% | 12.94% | 18.92% | +1,366 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 1.11% | 0.85% | 0.69% | 0.70% | 0.58% | 0.70% | 0.53% | -15 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 | 19.71% | 19.39% | 18.78% | 18.00% | 18.22% | 17.81% | 16.85% | 13.89% | -411 bps | |
| Net Worth / Assets | 19.71% | 19.39% | 18.78% | 18.00% | 18.22% | 17.81% | 16.85% | 13.89% | -411 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.62% | 69.38% | 68.45% | 70.04% | 72.29% | 68.14% | 67.97% | 63.93% | -612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |