PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texas Plains

Amarillo, TX · Charter 3828

NCUA · 7 branches

Q2 2026

$71.2MAssets
$50.0MLoans
$60.3MShares
$10.2MNet 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 0.76%, up 70 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.78% of loans (+46 bps YoY).
  • Capital: net worth / assets of 14.25%, up 253 bps from a year ago.
  • Funding: loans stand at 82.97% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.76%+70 bps YoY

Net Interest Margin (quarter, annualized)

4.74%+24 bps YoY

Efficiency Ratio (quarter, annualized)

83.31%-683 bps YoY

Net Worth / Assets

14.25%+253 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.16%0.54%0.33%0.76%+70 bps
Return on Equity0.44%1.18%3.84%2.43%5.30%+487 bps
Net Interest Margin4.49%4.20%4.36%4.57%4.74%+24 bps
Efficiency Ratio90.14%88.49%85.06%85.98%83.31%-683 bps
Growth
Asset Growth (YoY)12.14%21.64%13.29%14.87%13.91%+177 bps
Loan Growth (YoY)10.38%11.10%12.50%11.29%10.36%-2 bps
Share Growth (YoY)13.51%20.94%11.11%12.92%11.88%-164 bps
Asset Quality
Delinquent Loans / Loans0.32%0.46%0.82%0.79%0.78%+46 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 Capital11.73%13.41%14.02%13.58%14.25%+253 bps
Net Worth / Assets11.73%13.41%14.02%13.58%14.25%+253 bps
Liquidity & Funding
Loans / Shares84.11%79.87%83.39%79.54%82.97%-114 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps