Lamesa, TX · Charter 16813
NCUA · 2 branches
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 | -0.19% | -0.03% | -0.96% | -0.52% | -0.27% | -0.13% | 0.03% | 0.05% | +57 bps | |
| Return on Equity | -1.54% | -0.24% | -8.05% | -4.37% | -2.29% | -1.09% | 0.24% | 0.40% | +477 bps | |
| Net Interest Margin | 3.56% | 3.61% | 3.55% | 3.71% | 3.83% | 3.91% | 4.24% | 4.39% | +68 bps | |
| Efficiency Ratio | 98.76% | 101.74% | 114.92% | 105.93% | 102.82% | 100.78% | 95.59% | 95.21% | -1,072 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.18% | 2.47% | 0.99% | 0.21% | 2.70% | 3.51% | 5.09% | 3.53% | +333 bps | |
| Loan Growth (YoY) | 0.31% | -0.18% | 4.01% | 5.71% | 12.64% | 14.03% | 10.39% | 9.53% | +382 bps | |
| Share Growth (YoY) | 0.34% | 2.42% | 1.52% | 0.53% | 2.82% | 4.85% | 5.22% | 4.19% | +367 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.83% | 0.93% | 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 | 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 | 12.44% | 12.38% | 11.97% | 11.94% | 11.87% | 11.69% | 11.36% | 11.54% | -40 bps | |
| Net Worth / Assets | 12.44% | 12.38% | 11.97% | 11.94% | 11.87% | 11.69% | 11.36% | 11.54% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.41% | 76.58% | 76.57% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |