Windthorst, TX · Charter 16373
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 1.05% | 0.91% | 1.00% | 1.10% | +4 bps | |
| Return on Equity | 8.79% | 8.51% | 7.31% | 8.16% | 9.04% | +25 bps | |
| Net Interest Margin | 2.60% | 2.69% | 2.55% | 2.89% | 2.80% | +20 bps | |
| Efficiency Ratio | 63.08% | 62.15% | 65.76% | 63.49% | 61.96% | -112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.29% | 7.97% | 7.47% | 9.06% | 6.94% | -435 bps | |
| Loan Growth (YoY) | -1.76% | 0.36% | 3.63% | 3.84% | -3.21% | -145 bps | |
| Share Growth (YoY) | 11.82% | 7.88% | 7.56% | 9.32% | 7.05% | -477 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.60% | 0.55% | 0.13% | 1.04% | +84 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 | 12.07% | 12.34% | 12.40% | 12.29% | 12.19% | +12 bps | |
| Net Worth / Assets | 12.07% | 12.34% | 12.40% | 12.29% | 12.19% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.40% | 76.37% | 76.74% | 74.56% | 68.17% | -722 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |