Lubbock, TX · Charter 24930
NCUA · 2 branches
Q4 2025
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | 0.04% | 0.58% | 0.11% | -2.79% | -263 bps | |
| Return on Equity | -0.75% | 0.18% | 2.71% | 0.47% | -10.88% | -1,014 bps | |
| Net Interest Margin | 3.17% | 2.93% | 3.53% | 4.05% | 5.05% | +189 bps | |
| Efficiency Ratio | 100.05% | 95.01% | 95.38% | 96.85% | 104.69% | +464 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.34% | 8.81% | -14.78% | -22.03% | -43.87% | -5,422 bps | |
| Loan Growth (YoY) | -12.44% | -7.69% | -6.23% | -12.40% | -19.55% | -711 bps | |
| Share Growth (YoY) | 22.88% | 17.74% | -16.47% | -23.34% | -47.66% | -7,053 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.30% | 0.25% | 2.24% | 0.00% | 0.26% | -204 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.29% | 21.72% | 21.48% | 24.52% | 25.66% | +437 bps | |
| Net Worth / Assets | 21.29% | 21.72% | 21.48% | 24.52% | 25.66% | +437 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.16% | 35.92% | 39.41% | 45.35% | 54.04% | +1,888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |