Odessa, TX · Charter 12697
NCUA · 11 branches
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 | 1.60% | 1.59% | 1.05% | 1.32% | 1.46% | -14 bps | |
| Return on Equity | 11.78% | 11.44% | 7.74% | 9.76% | 10.60% | -117 bps | |
| Net Interest Margin | 3.70% | 3.75% | 3.33% | 3.62% | 3.65% | -5 bps | |
| Efficiency Ratio | 61.69% | 62.52% | 69.55% | 64.17% | 64.11% | +242 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.13% | -2.54% | -5.28% | 5.24% | 6.32% | +745 bps | |
| Loan Growth (YoY) | 1.02% | 1.83% | 0.90% | -0.40% | -0.82% | -184 bps | |
| Share Growth (YoY) | 9.84% | 7.96% | 4.26% | 4.53% | 6.01% | -383 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.69% | 0.68% | 0.56% | 0.59% | -1 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.62% | 13.94% | 13.64% | 13.49% | 13.79% | +17 bps | |
| Net Worth / Assets | 13.62% | 13.94% | 13.64% | 13.49% | 13.79% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.60% | 76.33% | 73.68% | 71.47% | 70.72% | -488 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |