San Angelo, TX · Charter 21710
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 1.26% | 1.03% | 0.71% | 0.96% | -56 bps | |
| Return on Equity | 10.11% | 8.39% | 7.26% | 5.16% | 6.78% | -333 bps | |
| Net Interest Margin | 3.42% | 3.19% | 2.90% | 2.33% | 2.47% | -95 bps | |
| Efficiency Ratio | 46.82% | 49.29% | 53.19% | 67.30% | 62.07% | +1,526 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.04% | 3.34% | 9.55% | 16.35% | 12.90% | +986 bps | |
| Loan Growth (YoY) | 10.27% | 3.78% | 3.94% | 2.01% | -8.23% | -1,850 bps | |
| Share Growth (YoY) | 0.99% | 2.88% | 9.23% | 18.09% | 15.64% | +1,465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.00% | 0.03% | 1.46% | 1.51% | +147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 0.70% | 0.80% | 0.85% | 0.87% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.07% | 15.00% | 14.17% | 13.76% | 14.14% | -93 bps | |
| Net Worth / Assets | 15.07% | 15.00% | 14.17% | 13.76% | 14.14% | -93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 106.86% | 100.55% | 93.36% | 86.54% | 84.79% | -2,206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |