PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Complex Community

Odessa, TX · Charter 12697

NCUA · 11 branches

Q2 2026

$818.2MAssets
$501.4MLoans
$708.9MShares
$112.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.46%, down 14 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.59% of loans (-1 bps YoY).
  • Capital: net worth / assets of 13.79%, up 17 bps from a year ago.
  • Funding: loans stand at 70.72% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.46%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.65%-5 bps YoY

Efficiency Ratio (YTD, annualized)

64.11%+242 bps YoY

Net Worth / Assets

13.79%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%0.97%1.62%1.60%1.59%1.05%1.32%1.46%-14 bps
Return on Equity9.02%8.14%12.29%11.78%11.44%7.74%9.76%10.60%-117 bps
Net Interest Margin3.27%3.17%3.61%3.70%3.75%3.33%3.62%3.65%-5 bps
Efficiency Ratio64.20%67.54%60.41%61.69%62.52%69.55%64.17%64.11%+242 bps
Growth
Asset Growth (YoY)7.89%9.33%0.17%-1.13%-2.54%-5.28%5.24%6.32%+745 bps
Loan Growth (YoY)3.50%1.89%2.33%1.02%1.83%0.90%-0.40%-0.82%-184 bps
Share Growth (YoY)7.20%9.78%11.36%9.84%7.96%4.26%4.53%6.01%-383 bps
Asset Quality
Delinquent Loans / Loans0.45%0.59%0.45%0.60%0.69%0.68%0.56%0.59%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.24%11.92%13.20%13.62%13.94%13.64%13.49%13.79%+17 bps
Net Worth / Assets12.24%11.92%13.20%13.62%13.94%13.64%13.49%13.79%+17 bps
Liquidity & Funding
Loans / Shares80.92%76.14%75.01%75.60%76.33%73.68%71.47%70.72%-488 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps