Odessa, TX · Charter 60533
NCUA · 5 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 | 1.15% | 1.14% | 1.04% | 1.16% | 1.20% | +5 bps | |
| Return on Equity | 9.13% | 8.98% | 8.24% | 9.04% | 9.04% | -9 bps | |
| Net Interest Margin | 3.77% | 3.78% | 3.76% | 3.83% | 4.00% | +23 bps | |
| Efficiency Ratio | 71.09% | 73.19% | 73.72% | 76.85% | 75.27% | +418 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.40% | 7.04% | 8.85% | 3.46% | 2.84% | -656 bps | |
| Loan Growth (YoY) | 1.44% | -1.31% | -3.11% | -5.67% | -5.41% | -685 bps | |
| Share Growth (YoY) | 10.48% | 7.10% | 8.36% | 2.68% | 1.84% | -865 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.92% | 0.62% | 0.15% | 0.20% | +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 | 12.54% | 12.67% | 12.66% | 12.88% | 13.27% | +73 bps | |
| Net Worth / Assets | 12.54% | 12.67% | 12.66% | 12.88% | 13.27% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.60% | 72.71% | 70.17% | 68.38% | 70.22% | -538 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |