Midland, TX · Charter 4020
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.91% | 0.73% | -0.76% | -0.02% | -105 bps | |
| Return on Equity | 10.72% | 9.12% | 7.61% | -8.15% | -0.21% | -1,092 bps | |
| Net Interest Margin | 2.96% | 3.11% | 3.04% | 3.13% | 2.99% | +3 bps | |
| Efficiency Ratio | 77.84% | 80.04% | 82.87% | 100.24% | 91.64% | +1,381 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.80% | 18.61% | 16.81% | 7.34% | 12.39% | -1,041 bps | |
| Loan Growth (YoY) | -6.70% | -4.03% | -3.49% | -1.65% | 1.59% | +829 bps | |
| Share Growth (YoY) | 28.32% | 19.93% | 19.22% | 8.01% | 13.57% | -1,475 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.13% | 0.34% | 0.17% | 0.16% | -7 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 | 9.63% | 9.93% | 9.62% | 9.31% | 8.77% | -86 bps | |
| Net Worth / Assets | 9.63% | 9.93% | 9.62% | 9.31% | 8.77% | -86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.35% | 68.08% | 65.17% | 65.31% | 59.35% | -700 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |