Plainview, TX · Charter 12274
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.13% | -0.11% | 0.08% | 0.05% | +22 bps | |
| Return on Equity | -1.13% | -0.89% | -0.72% | 0.53% | 0.34% | +147 bps | |
| Net Interest Margin | 4.19% | 4.07% | 4.32% | 4.15% | 3.99% | -20 bps | |
| Efficiency Ratio | 101.33% | 99.27% | 99.65% | 98.15% | 98.80% | -253 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.81% | 13.08% | 7.05% | 13.39% | 7.50% | -131 bps | |
| Loan Growth (YoY) | 1.94% | 7.17% | -0.36% | -3.27% | 1.77% | -18 bps | |
| Share Growth (YoY) | 10.86% | 13.13% | 9.71% | 20.87% | 8.18% | -268 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.13% | 0.07% | 0.06% | 0.09% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.39% | 0.39% | 0.38% | 0.39% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.59% | 15.05% | 15.90% | 14.84% | 14.50% | -109 bps | |
| Net Worth / Assets | 15.59% | 15.05% | 15.90% | 14.84% | 14.50% | -109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.04% | 81.49% | 84.16% | 79.34% | 75.29% | -475 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |