Pampa, TX · Charter 2046
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 | 0.03% | -0.08% | -3.53% | -2.23% | -2.02% | -1.34% | -6.68% | -1.03% | +120 bps | |
| Return on Equity | 0.26% | -0.74% | -33.93% | -21.58% | -19.48% | -12.57% | -71.19% | -11.83% | +975 bps | |
| Net Interest Margin | 2.79% | 3.42% | 2.95% | 3.34% | 3.55% | 3.83% | 3.47% | 3.98% | +64 bps | |
| Efficiency Ratio | 100.53% | 102.00% | 149.27% | 131.38% | 129.56% | 120.29% | 510% | 88.32% | -4,306 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.95% | -10.11% | -9.64% | -6.71% | -11.81% | -7.45% | -9.88% | -9.26% | -255 bps | |
| Loan Growth (YoY) | -15.22% | -14.47% | -13.78% | -16.56% | -19.83% | -20.55% | -19.02% | -3.70% | +1,286 bps | |
| Share Growth (YoY) | 4.64% | -10.45% | -9.28% | -5.92% | -11.70% | -7.04% | -8.95% | -7.68% | -176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.83% | 1.08% | 0.59% | 0.85% | 1.49% | 0.23% | 0.43% | -15 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 | 10.57% | 11.15% | 10.40% | 10.31% | 10.36% | 10.70% | 9.39% | 8.67% | -164 bps | |
| Net Worth / Assets | 10.57% | 11.15% | 10.40% | 10.31% | 10.36% | 10.70% | 9.39% | 8.67% | -164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.07% | 83.71% | 79.59% | 75.15% | 72.70% | 71.55% | 70.78% | 78.40% | +324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |