Amarillo, TX · Charter 3828
NCUA · 7 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 | 0.71% | 0.32% | 0.07% | 0.05% | 0.16% | 0.54% | 0.33% | 0.76% | +70 bps | |
| Return on Equity | 5.42% | 2.69% | 0.59% | 0.44% | 1.18% | 3.84% | 2.43% | 5.30% | +487 bps | |
| Net Interest Margin | 4.38% | 4.21% | 4.29% | 4.49% | 4.20% | 4.36% | 4.57% | 4.74% | +24 bps | |
| Efficiency Ratio | 85.33% | 90.19% | 93.13% | 90.14% | 88.49% | 85.06% | 85.98% | 83.31% | -683 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.08% | 23.11% | 22.58% | 12.14% | 21.64% | 13.29% | 14.87% | 13.91% | +177 bps | |
| Loan Growth (YoY) | 17.70% | 18.46% | 13.09% | 10.38% | 11.10% | 12.50% | 11.29% | 10.36% | -2 bps | |
| Share Growth (YoY) | 14.64% | 25.47% | 25.16% | 13.51% | 20.94% | 11.11% | 12.92% | 11.88% | -164 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.35% | 0.48% | 0.32% | 0.46% | 0.82% | 0.79% | 0.78% | +46 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 | 13.01% | 11.76% | 11.50% | 11.73% | 13.41% | 14.02% | 13.58% | 14.25% | +253 bps | |
| Net Worth / Assets | 13.01% | 11.76% | 11.50% | 11.73% | 13.41% | 14.02% | 13.58% | 14.25% | +253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.94% | 82.36% | 80.70% | 84.11% | 79.87% | 83.39% | 79.54% | 82.97% | -114 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |