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Letter portraitLegal landscapeQuarterYTD

Hale County Teachers

Plainview, TX · Charter 15297

NCUA · 1 branch

Q2 2026

$11.1MAssets
$5.3MLoans
$9.9MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.15%, down 83 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY).
  • Capital: net worth / assets of 10.36%, down 85 bps from a year ago.
  • Funding: loans stand at 53.78% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.15%-83 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-54 bps YoY

Efficiency Ratio (YTD, annualized)

105.36%+2,057 bps YoY

Net Worth / Assets

10.36%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.12%0.29%0.67%0.48%0.29%-0.21%-0.15%-83 bps
Return on Equity2.74%1.08%2.55%5.99%4.46%2.73%-1.95%-1.50%-749 bps
Net Interest Margin3.04%3.01%3.14%3.28%3.08%3.02%2.76%2.75%-54 bps
Efficiency Ratio90.25%96.32%91.12%84.79%86.71%92.04%107.15%105.36%+2,057 bps
Growth
Asset Growth (YoY)6.23%8.75%6.94%6.96%10.30%9.59%9.44%6.46%-50 bps
Loan Growth (YoY)-2.66%-3.76%-2.90%-7.19%-9.01%-12.55%-9.24%-6.07%+112 bps
Share Growth (YoY)5.70%9.49%7.57%8.58%12.95%11.08%9.49%7.29%-129 bps
Asset Quality
Delinquent Loans / Loans0.01%0.01%0.13%0.12%0.12%0.00%0.00%0.00%-12 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 Capital11.70%11.47%11.50%11.21%10.80%10.70%10.62%10.36%-85 bps
Net Worth / Assets11.70%11.47%11.50%11.21%10.80%10.70%10.62%10.36%-85 bps
Liquidity & Funding
Loans / Shares70.70%68.65%65.55%61.43%56.96%54.04%54.34%53.78%-765 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps