Lubbock, TX · Charter 5373
NCUA · 3 branches
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 | 0.55% | 0.37% | 0.31% | 0.08% | 0.22% | -33 bps | |
| Return on Equity | 5.55% | 3.87% | 3.29% | 0.84% | 2.33% | -322 bps | |
| Net Interest Margin | 3.36% | 3.27% | 3.28% | 2.95% | 2.97% | -39 bps | |
| Efficiency Ratio | 85.93% | 88.24% | 89.40% | 91.61% | 90.02% | +409 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.40% | 11.36% | 11.27% | 8.93% | 7.04% | +65 bps | |
| Loan Growth (YoY) | -18.22% | -17.97% | -16.00% | -12.87% | -9.83% | +839 bps | |
| Share Growth (YoY) | 6.39% | 11.91% | 11.91% | 9.53% | 7.57% | +118 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.07% | 1.87% | 1.93% | 2.00% | 1.84% | -23 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 | 9.82% | 9.58% | 9.49% | 9.20% | 9.31% | -51 bps | |
| Net Worth / Assets | 9.82% | 9.58% | 9.49% | 9.20% | 9.31% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.76% | 29.38% | 28.03% | 26.61% | 26.62% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |