Windthorst, TX · Charter 16373
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 | 0.87% | 0.70% | 0.97% | 1.06% | 1.05% | 0.91% | 1.00% | 1.10% | +4 bps | |
| Return on Equity | 7.03% | 5.64% | 7.80% | 8.79% | 8.51% | 7.31% | 8.16% | 9.04% | +25 bps | |
| Net Interest Margin | 2.44% | 2.24% | 2.61% | 2.60% | 2.69% | 2.55% | 2.89% | 2.80% | +20 bps | |
| Efficiency Ratio | 65.99% | 70.80% | 65.82% | 63.08% | 62.15% | 65.76% | 63.49% | 61.96% | -112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.91% | 10.32% | 8.74% | 11.29% | 7.97% | 7.47% | 9.06% | 6.94% | -435 bps | |
| Loan Growth (YoY) | 2.08% | -0.75% | -2.31% | -1.76% | 0.36% | 3.63% | 3.84% | -3.21% | -145 bps | |
| Share Growth (YoY) | 10.41% | 11.21% | 9.03% | 11.82% | 7.88% | 7.56% | 9.32% | 7.05% | -477 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.30% | 0.23% | 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 | 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 | 12.42% | 12.35% | 12.42% | 12.07% | 12.34% | 12.40% | 12.29% | 12.19% | +12 bps | |
| Net Worth / Assets | 12.42% | 12.35% | 12.42% | 12.07% | 12.34% | 12.40% | 12.29% | 12.19% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.09% | 79.65% | 78.50% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |