Dumas, TX · Charter 11458
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | -0.13% | -0.16% | -0.19% | 0.71% | +104 bps | |
| Return on Equity | -3.13% | -1.26% | -1.33% | -1.52% | 5.67% | +880 bps | |
| Net Interest Margin | 3.41% | 3.26% | 3.75% | 4.38% | 4.12% | +71 bps | |
| Efficiency Ratio | 109.55% | 103.96% | 104.16% | 103.00% | 83.10% | -2,645 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.28% | -11.83% | -12.21% | -14.99% | -16.33% | -5 bps | |
| Loan Growth (YoY) | 12.33% | -4.69% | -7.25% | -13.76% | -18.24% | -3,057 bps | |
| Share Growth (YoY) | -17.74% | -13.09% | -13.67% | -16.78% | -18.21% | -47 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.08% | 1.65% | 0.29% | 1.92% | +165 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.29% | 1.30% | 0.82% | 0.79% | -54 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.62% | 10.47% | 11.94% | 12.28% | 12.44% | +182 bps | |
| Net Worth / Assets | 10.62% | 10.47% | 11.94% | 12.28% | 12.44% | +182 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.90% | 70.08% | 78.41% | 76.46% | 74.88% | -2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |