PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pantex

Borger, TX · Charter 3571

NCUA · 4 branches

Q2 2026

$233.4MAssets
$63.8MLoans
$183.3MShares
$51.9MNet 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 1.53%, up 43 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.69% of loans (+4 bps YoY).
  • Capital: net worth / assets of 22.25%, up 168 bps from a year ago.
  • Funding: loans stand at 34.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+56 bps YoY

Efficiency Ratio (YTD, annualized)

63.39%-470 bps YoY

Net Worth / Assets

22.25%+168 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.25%1.27%1.57%1.53%+43 bps
Return on Equity5.36%6.01%5.98%7.37%6.88%+153 bps
Net Interest Margin3.04%3.12%3.24%3.48%3.60%+56 bps
Efficiency Ratio68.09%66.25%65.68%63.12%63.39%-470 bps
Growth
Asset Growth (YoY)0.44%2.47%2.74%0.65%-0.96%-140 bps
Loan Growth (YoY)2.58%1.59%2.84%0.52%-4.94%-752 bps
Share Growth (YoY)-1.21%0.83%-0.18%-1.62%-3.16%-195 bps
Asset Quality
Delinquent Loans / Loans0.65%0.77%0.71%0.81%0.69%+4 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 Capital20.58%20.77%21.23%21.36%22.25%+168 bps
Net Worth / Assets20.58%20.77%21.23%21.36%22.25%+168 bps
Liquidity & Funding
Loans / Shares35.47%35.05%35.51%34.00%34.82%-65 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps