Abilene, TX · Charter 10706
NCUA · 2 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 | 0.23% | 0.44% | 0.07% | 0.26% | 0.41% | 0.97% | 0.29% | 0.43% | +16 bps | |
| Return on Equity | 2.23% | 4.26% | 0.70% | 2.57% | 3.93% | 9.05% | 2.74% | 3.93% | +135 bps | |
| Net Interest Margin | 2.99% | 3.22% | 3.05% | 3.18% | 3.22% | 3.72% | 3.17% | 3.24% | +6 bps | |
| Efficiency Ratio | 90.84% | 85.35% | 88.91% | 88.06% | 84.68% | 74.14% | 89.22% | 85.06% | -300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.09% | -1.08% | 0.06% | 1.72% | 2.63% | 4.71% | 4.30% | 3.29% | +158 bps | |
| Loan Growth (YoY) | 3.58% | 9.35% | 19.96% | 21.89% | 19.03% | 17.05% | 10.21% | 6.75% | -1,514 bps | |
| Share Growth (YoY) | -2.61% | -1.26% | -1.33% | 0.34% | 1.98% | 2.00% | 2.52% | 1.49% | +115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.25% | 0.20% | 0.22% | 0.37% | 0.27% | 0.22% | 0.23% | +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 | 10.19% | 10.30% | 10.17% | 10.23% | 10.41% | 10.72% | 10.68% | 10.86% | +64 bps | |
| Net Worth / Assets | 10.19% | 10.30% | 10.17% | 10.23% | 10.41% | 10.72% | 10.68% | 10.86% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.62% | 55.59% | 58.78% | 61.51% | 63.75% | 63.80% | 63.18% | 64.69% | +319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |