Amarillo, TX · Charter 5665
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
18
Profitability
10
Liquidity
5
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Amarillo, TX · Charter 5665
NCUA · 2 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 | 0.40% | -0.06% | -0.08% | -0.61% | -0.45% | -85 bps | |
| Return on Equity | 2.62% | -0.34% | -0.51% | -3.74% | -2.79% | -542 bps | |
| Net Interest Margin | 3.41% | 3.61% | 3.65% | 2.79% | 3.08% | -33 bps | |
| Efficiency Ratio | 68.89% | 73.88% | 75.21% | 87.87% | 82.25% | +1,335 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.48% | -27.42% | -22.41% | -17.89% | -11.36% | +1,012 bps | |
| Loan Growth (YoY) | -18.96% | -21.50% | -18.12% | -19.41% | -20.98% | -202 bps | |
| Share Growth (YoY) | -20.56% | -28.82% | -25.60% | -20.64% | -12.89% | +767 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.67% | 1.78% | 1.12% | 1.59% | +35 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 | 15.16% | 16.40% | 16.51% | 16.23% | 16.25% | +109 bps | |
| Net Worth / Assets | 15.16% | 16.40% | 16.51% | 16.23% | 16.25% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.38% | 103.90% | 103.20% | 95.45% | 90.15% | -923 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amarillo, TX · Charter 5665 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.45%
Rank 215 of 235
Net Interest Margin
3.08%
Rank 204 of 235
Efficiency Ratio
82.26%
Rank 120 of 235
Equity / Assets
16.25%
Rank 89 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | 0.17% | 0.57% | 1.10% | Beats 9% | 215 / 235 | |
| Return on Equity | -2.79% | 1.03% | 4.30% | 7.58% | Beats 9% | 213 / 235 | |
| Net Interest Margin | 3.08% | 3.32% | 3.89% | 4.35% | Beats 13% | 204 / 235 | |
| Efficiency Ratio | 82.26% | 70.60% | 82.00% | 91.57% | Beats 49% | 120 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.59% | 0.20% | 0.59% | 1.14% | Beats 18% | 194 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.25% | 11.30% | 14.41% | 19.49% | Beats 62% | 89 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.25% | 11.30% | 14.41% | 19.49% | Beats 62% | 89 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.15% | 54.18% | 67.38% | 81.66% | 88th pctl | 28 / 235 | |
| Loans / Assets | 75.10% | 43.80% | 56.63% | 68.64% | 87th pctl | 30 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||