Andrews, TX · Charter 10739
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 | 1.60% | 1.48% | 2.10% | 1.88% | 1.83% | 1.43% | 1.26% | 0.75% | -113 bps | |
| Return on Equity | 6.20% | 5.73% | 7.82% | 6.80% | 6.58% | 5.14% | 4.41% | 2.66% | -414 bps | |
| Net Interest Margin | 4.53% | 4.43% | 4.76% | 4.78% | 4.68% | 4.51% | 4.34% | 4.22% | -56 bps | |
| Efficiency Ratio | 65.39% | 67.52% | 56.62% | 61.39% | 61.58% | 64.99% | 71.56% | 77.98% | +1,658 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | 2.84% | -3.13% | -4.03% | -1.71% | -3.01% | -2.42% | 0.39% | +442 bps | |
| Loan Growth (YoY) | -4.01% | -0.45% | 8.48% | 8.70% | -0.70% | -10.14% | -13.25% | -14.52% | -2,322 bps | |
| Share Growth (YoY) | -0.02% | 1.63% | -6.41% | -7.57% | -4.38% | -5.86% | -4.82% | -0.71% | +686 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.16% | 0.28% | 2.31% | 3.65% | 4.32% | 3.13% | 0.47% | -184 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 | 0.84% | 0.82% | 0.80% | 0.80% | 0.85% | 0.91% | 0.92% | 0.94% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.78% | 25.77% | 26.89% | 27.62% | 27.77% | 27.87% | 28.60% | 28.20% | +58 bps | |
| Net Worth / Assets | 25.78% | 25.77% | 26.89% | 27.62% | 27.77% | 27.87% | 28.60% | 28.20% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.41% | 78.58% | 83.79% | 85.02% | 80.39% | 75.00% | 76.36% | 73.20% | -1,182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |