Dumas, TX · Charter 3938
NCUA · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 1.09% | 0.61% | 0.23% | 0.21% | -60 bps | |
| Return on Equity | 5.05% | 6.56% | 3.72% | 1.45% | 1.32% | -373 bps | |
| Net Interest Margin | 4.66% | 4.81% | 4.83% | 4.32% | 3.74% | -92 bps | |
| Efficiency Ratio | 80.03% | 78.90% | 86.91% | 86.59% | 90.47% | +1,044 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.41% | 10.38% | 8.13% | 1.12% | -4.49% | -1,690 bps | |
| Loan Growth (YoY) | -7.05% | -7.44% | -8.24% | -13.85% | -15.54% | -849 bps | |
| Share Growth (YoY) | 12.14% | 10.60% | 8.66% | 0.17% | -6.65% | -1,879 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.35% | 0.61% | 0.40% | 0.34% | -1 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 | 15.88% | 16.60% | 16.53% | 15.99% | 15.65% | -23 bps | |
| Net Worth / Assets | 15.88% | 16.60% | 16.53% | 15.99% | 15.65% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.36% | 74.11% | 72.86% | 66.50% | 67.27% | -708 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |