Brownfield, TX · Charter 13873
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 | 0.86% | 0.76% | -0.18% | -0.55% | -0.57% | -0.77% | -0.85% | -1.00% | -45 bps | |
| Return on Equity | 2.46% | 2.12% | -0.52% | -1.59% | -1.64% | -2.14% | -2.46% | -2.90% | -131 bps | |
| Net Interest Margin | 5.44% | 5.54% | 5.18% | 5.23% | 5.27% | 5.46% | 4.84% | 4.93% | -30 bps | |
| Efficiency Ratio | 85.58% | 87.25% | 97.13% | 105.57% | 105.07% | 107.17% | 119.42% | 117.55% | +1,198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.26% | -5.55% | -3.65% | -4.37% | 0.52% | -2.66% | -3.65% | -3.25% | +112 bps | |
| Loan Growth (YoY) | -10.84% | -11.73% | -13.91% | -9.94% | -12.98% | -14.69% | -12.71% | -15.41% | -546 bps | |
| Share Growth (YoY) | -10.18% | -9.29% | -6.28% | -6.63% | 1.29% | -3.00% | -4.28% | -3.55% | +308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.77% | 0.21% | 0.07% | 0.06% | 0.09% | 0.03% | 0.57% | +50 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.99% | 35.63% | 34.35% | 34.30% | 34.48% | 35.84% | 34.74% | 34.48% | +19 bps | |
| Net Worth / Assets | 34.99% | 35.63% | 34.35% | 34.30% | 34.48% | 35.84% | 34.74% | 34.48% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.58% | 91.88% | 80.33% | 80.04% | 77.82% | 80.81% | 73.26% | 70.20% | -984 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |