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Pampa Teachers

Pampa, TX · Charter 2046

NCUA · 1 branch

Q2 2026

$10.7MAssets
$7.6MLoans
$9.7MShares
$927KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.03%, up 120 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.43% of loans (-15 bps YoY).
  • Capital: net worth / assets of 8.67%, down 164 bps from a year ago.
  • Funding: loans stand at 78.40% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.03%+120 bps YoY

Net Interest Margin (quarter, annualized)

3.98%+64 bps YoY

Efficiency Ratio (quarter, annualized)

88.32%-4,306 bps YoY

Net Worth / Assets

8.67%-164 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.23%-2.02%-1.34%-6.68%-1.03%+120 bps
Return on Equity-21.58%-19.48%-12.57%-71.19%-11.83%+975 bps
Net Interest Margin3.34%3.55%3.83%3.47%3.98%+64 bps
Efficiency Ratio131.38%129.56%120.29%510%88.32%-4,306 bps
Growth
Asset Growth (YoY)-6.71%-11.81%-7.45%-9.88%-9.26%-255 bps
Loan Growth (YoY)-16.56%-19.83%-20.55%-19.02%-3.70%+1,286 bps
Share Growth (YoY)-5.92%-11.70%-7.04%-8.95%-7.68%-176 bps
Asset Quality
Delinquent Loans / Loans0.59%0.85%1.49%0.23%0.43%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.31%10.36%10.70%9.39%8.67%-164 bps
Net Worth / Assets10.31%10.36%10.70%9.39%8.67%-164 bps
Liquidity & Funding
Loans / Shares75.15%72.70%71.55%70.78%78.40%+324 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps