PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texoma Community

Wichita Falls, TX · Charter 61527

NCUA · 3 branches

Q2 2026

$325.5MAssets
$268.7MLoans
$278.7MShares
$36.5MNet 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 86 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.70% of loans (+6 bps YoY).
  • Capital: net worth / assets of 11.22%, down 54 bps from a year ago.
  • Funding: loans stand at 96.38% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.45%-86 bps YoY

Net Interest Margin (quarter, annualized)

4.46%-21 bps YoY

Efficiency Ratio (quarter, annualized)

83.93%+671 bps YoY

Net Worth / Assets

11.22%-54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.15%1.08%0.11%0.45%-86 bps
Return on Equity11.13%9.74%9.25%0.99%4.04%-709 bps
Net Interest Margin4.67%4.68%4.59%4.61%4.46%-21 bps
Efficiency Ratio77.22%76.91%76.31%87.67%83.93%+671 bps
Growth
Asset Growth (YoY)4.41%6.47%11.25%10.26%11.11%+670 bps
Loan Growth (YoY)7.68%13.18%16.08%13.39%9.26%+157 bps
Share Growth (YoY)5.52%6.86%12.43%10.69%9.67%+415 bps
Asset Quality
Delinquent Loans / Loans0.64%0.51%0.67%0.57%0.70%+6 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 Capital11.76%11.80%11.67%11.42%11.22%-54 bps
Net Worth / Assets11.76%11.80%11.67%11.42%11.22%-54 bps
Liquidity & Funding
Loans / Shares96.75%98.59%98.65%98.28%96.38%-36 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps