Dumas, TX · Charter 11458
NCUA · 1 branch
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 | -1.14% | -0.64% | -0.25% | -0.33% | -0.13% | -0.16% | -0.19% | 0.71% | +104 bps | |
| Return on Equity | -12.61% | -6.04% | -2.32% | -3.13% | -1.26% | -1.33% | -1.52% | 5.67% | +880 bps | |
| Net Interest Margin | 1.70% | 2.25% | 3.38% | 3.41% | 3.26% | 3.75% | 4.38% | 4.12% | +71 bps | |
| Efficiency Ratio | 164.27% | 127.54% | 107.09% | 109.55% | 103.96% | 104.16% | 103.00% | 83.10% | -2,645 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.48% | -21.42% | -19.14% | -16.28% | -11.83% | -12.21% | -14.99% | -16.33% | -5 bps | |
| Loan Growth (YoY) | -0.02% | 1.55% | 11.66% | 12.33% | -4.69% | -7.25% | -13.76% | -18.24% | -3,057 bps | |
| Share Growth (YoY) | -12.82% | -23.08% | -20.54% | -17.74% | -13.09% | -13.67% | -16.78% | -18.21% | -47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.45% | 2.99% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.71% | 1.72% | 1.49% | 1.33% | 1.29% | 1.30% | 0.82% | 0.79% | -54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.03% | 10.62% | 10.56% | 10.62% | 10.47% | 11.94% | 12.28% | 12.44% | +182 bps | |
| Net Worth / Assets | 9.03% | 10.62% | 10.56% | 10.62% | 10.47% | 11.94% | 12.28% | 12.44% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.91% | 72.98% | 73.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |