Lamesa, TX · Charter 16813
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
19
Profitability
37
Liquidity
32
Efficiency
17
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lamesa, TX · Charter 16813
NCUA · 2 branches
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 | -0.52% | -0.27% | -0.13% | 0.03% | 0.05% | +57 bps | |
| Return on Equity | -4.37% | -2.29% | -1.09% | 0.24% | 0.40% | +477 bps | |
| Net Interest Margin | 3.71% | 3.83% | 3.91% | 4.24% | 4.39% | +68 bps | |
| Efficiency Ratio | 105.93% | 102.82% | 100.78% | 95.59% | 95.21% | -1,072 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.21% | 2.70% | 3.51% | 5.09% | 3.53% | +333 bps | |
| Loan Growth (YoY) | 5.71% | 12.64% | 14.03% | 10.39% | 9.53% | +382 bps | |
| Share Growth (YoY) | 0.53% | 2.82% | 4.85% | 5.22% | 4.19% | +367 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.26% | 1.38% | 1.22% | 1.43% | -11 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 | 11.94% | 11.87% | 11.69% | 11.36% | 11.54% | -40 bps | |
| Net Worth / Assets | 11.94% | 11.87% | 11.69% | 11.36% | 11.54% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.50% | 84.81% | 83.29% | 80.33% | 83.58% | +408 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lamesa, TX · Charter 16813 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.04%
Rank 194 of 235
Net Interest Margin
4.39%
Rank 56 of 235
Efficiency Ratio
95.27%
Rank 197 of 235
Equity / Assets
11.54%
Rank 172 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.17% | 0.57% | 1.10% | Beats 17% | 194 / 235 | |
| Return on Equity | 0.39% | 1.03% | 4.30% | 7.58% | Beats 18% | 192 / 235 | |
| Net Interest Margin | 4.39% | 3.32% | 3.89% | 4.35% | Beats 76% | 56 / 235 | |
| Efficiency Ratio | 95.27% | 70.60% | 82.00% | 91.57% | Beats 17% | 197 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.43% | 0.20% | 0.59% | 1.14% | Beats 19% | 191 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.54% | 11.30% | 14.41% | 19.49% | Beats 27% | 172 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.54% | 11.30% | 14.41% | 19.49% | Beats 27% | 172 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.58% | 54.18% | 67.38% | 81.66% | 77th pctl | 54 / 235 | |
| Loans / Assets | 73.36% | 43.80% | 56.63% | 68.64% | 83rd pctl | 40 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||