Borger, TX · Charter 3571
NCUA · 4 branches
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 | 0.61% | 0.73% | 0.93% | 1.10% | 1.25% | 1.27% | 1.57% | 1.53% | +43 bps | |
| Return on Equity | 3.06% | 3.56% | 4.65% | 5.36% | 6.01% | 5.98% | 7.37% | 6.88% | +153 bps | |
| Net Interest Margin | 2.51% | 2.63% | 2.90% | 3.04% | 3.12% | 3.24% | 3.48% | 3.60% | +56 bps | |
| Efficiency Ratio | 78.28% | 75.79% | 70.00% | 68.09% | 66.25% | 65.68% | 63.12% | 63.39% | -470 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.26% | 2.17% | 1.00% | 0.44% | 2.47% | 2.74% | 0.65% | -0.96% | -140 bps | |
| Loan Growth (YoY) | 0.40% | -2.62% | -2.73% | 2.58% | 1.59% | 2.84% | 0.52% | -4.94% | -752 bps | |
| Share Growth (YoY) | 1.11% | 1.59% | -1.17% | -1.21% | 0.83% | -0.18% | -1.62% | -3.16% | -195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.88% | 0.63% | 0.65% | 0.77% | 0.71% | 0.81% | 0.69% | +4 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 | 20.08% | 20.52% | 20.09% | 20.58% | 20.77% | 21.23% | 21.36% | 22.25% | +168 bps | |
| Net Worth / Assets | 20.08% | 20.52% | 20.09% | 20.58% | 20.77% | 21.23% | 21.36% | 22.25% | +168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.79% | 34.46% | 33.27% | 35.47% | 35.05% | 35.51% | 34.00% | 34.82% | -65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |