Plainview, TX · Charter 15297
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 | 0.67% | 0.48% | 0.29% | -0.21% | -0.15% | -83 bps | |
| Return on Equity | 5.99% | 4.46% | 2.73% | -1.95% | -1.50% | -749 bps | |
| Net Interest Margin | 3.28% | 3.08% | 3.02% | 2.76% | 2.75% | -54 bps | |
| Efficiency Ratio | 84.79% | 86.71% | 92.04% | 107.15% | 105.36% | +2,057 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.96% | 10.30% | 9.59% | 9.44% | 6.46% | -50 bps | |
| Loan Growth (YoY) | -7.19% | -9.01% | -12.55% | -9.24% | -6.07% | +112 bps | |
| Share Growth (YoY) | 8.58% | 12.95% | 11.08% | 9.49% | 7.29% | -129 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.12% | 0.00% | 0.00% | 0.00% | -12 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 | 11.21% | 10.80% | 10.70% | 10.62% | 10.36% | -85 bps | |
| Net Worth / Assets | 11.21% | 10.80% | 10.70% | 10.62% | 10.36% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.43% | 56.96% | 54.04% | 54.34% | 53.78% | -765 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |