Wichita Falls, TX · Charter 2112
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.41% | -0.23% | 0.05% | 0.41% | 0.54% | 0.89% | 0.99% | +94 bps | |
| Return on Equity | 3.10% | 3.10% | -1.85% | 0.40% | 3.29% | 4.36% | 7.31% | 7.97% | +757 bps | |
| Net Interest Margin | 3.75% | 3.73% | 3.69% | 3.70% | 3.81% | 3.72% | 3.73% | 3.66% | -4 bps | |
| Efficiency Ratio | 82.21% | 80.55% | 87.97% | 81.42% | 77.64% | 75.44% | 76.39% | 73.59% | -783 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.10% | 0.62% | 7.68% | 9.69% | 10.07% | 12.29% | 10.15% | 6.76% | -293 bps | |
| Loan Growth (YoY) | 3.70% | 2.76% | 0.03% | -1.73% | -3.21% | -1.73% | 3.24% | 2.17% | +389 bps | |
| Share Growth (YoY) | -1.71% | -0.06% | 7.18% | 9.37% | 10.42% | 11.86% | 9.86% | 6.39% | -298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.78% | 0.65% | 0.81% | 0.59% | 0.81% | 0.74% | 0.42% | 0.31% | -28 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 | 13.52% | 13.36% | 12.67% | 12.30% | 12.61% | 12.37% | 12.20% | 12.42% | +12 bps | |
| Net Worth / Assets | 13.52% | 13.36% | 12.67% | 12.30% | 12.61% | 12.37% | 12.20% | 12.42% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.07% | 64.08% | 59.84% | 57.46% | 57.92% | 56.30% | 56.23% | 55.18% | -228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |