Big Spring, TX · Charter 1750
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 | 1.54% | 1.25% | 2.12% | 1.31% | 1.75% | 1.06% | 0.55% | 1.68% | +38 bps | |
| Return on Equity | 14.05% | 11.21% | 19.77% | 11.45% | 14.09% | 8.54% | 4.78% | 14.51% | +306 bps | |
| Net Interest Margin | 3.89% | 4.02% | 4.13% | 4.51% | 5.65% | 5.39% | 4.18% | 5.57% | +106 bps | |
| Efficiency Ratio | 74.26% | 79.10% | 69.91% | 79.30% | 75.94% | 80.20% | 90.19% | 76.11% | -319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.73% | 0.31% | 4.38% | -0.19% | -2.08% | -1.70% | 0.19% | 5.37% | +556 bps | |
| Loan Growth (YoY) | 19.21% | 24.93% | 22.89% | 25.34% | 15.39% | 11.83% | 11.14% | 2.71% | -2,262 bps | |
| Share Growth (YoY) | -0.94% | -0.88% | 3.79% | -1.09% | -4.47% | -2.55% | -0.77% | 5.77% | +687 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.31% | 0.23% | 0.10% | 0.23% | 0.40% | 0.06% | 0.15% | +5 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 | 10.95% | 11.13% | 10.70% | 11.39% | 12.45% | 12.38% | 11.55% | 11.60% | +20 bps | |
| Net Worth / Assets | 10.95% | 11.13% | 10.70% | 11.39% | 12.45% | 12.38% | 11.55% | 11.60% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.59% | 55.75% | 53.77% | 61.93% | 63.53% | 63.97% | 60.23% | 60.14% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |