PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City

Amarillo, TX · Charter 5665

NCUA · 2 branches

Q2 2026

$84.3MAssets
$63.3MLoans
$70.2MShares
$13.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.45%, down 85 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 1.59% of loans (+35 bps YoY).
  • Capital: net worth / assets of 16.25%, up 109 bps from a year ago.
  • Funding: loans stand at 90.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.45%-85 bps YoY

Net Interest Margin (YTD, annualized)

3.08%-33 bps YoY

Efficiency Ratio (YTD, annualized)

82.25%+1,335 bps YoY

Net Worth / Assets

16.25%+109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%-0.06%-0.08%-0.61%-0.45%-85 bps
Return on Equity2.62%-0.34%-0.51%-3.74%-2.79%-542 bps
Net Interest Margin3.41%3.61%3.65%2.79%3.08%-33 bps
Efficiency Ratio68.89%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 / Loans1.24%1.67%1.78%1.12%1.59%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.16%16.40%16.51%16.23%16.25%+109 bps
Net Worth / Assets15.16%16.40%16.51%16.23%16.25%+109 bps
Liquidity & Funding
Loans / Shares99.38%103.90%103.20%95.45%90.15%-923 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps