Wichita Falls, TX · Charter 61527
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.04% | 1.53% | 1.31% | 1.15% | 1.08% | 0.11% | 0.45% | -86 bps | |
| Return on Equity | 9.94% | 8.84% | 12.98% | 11.13% | 9.74% | 9.25% | 0.99% | 4.04% | -709 bps | |
| Net Interest Margin | 4.54% | 4.62% | 4.63% | 4.67% | 4.68% | 4.59% | 4.61% | 4.46% | -21 bps | |
| Efficiency Ratio | 75.43% | 76.08% | 75.97% | 77.22% | 76.91% | 76.31% | 87.67% | 83.93% | +671 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.60% | 2.02% | 4.09% | 4.41% | 6.47% | 11.25% | 10.26% | 11.11% | +670 bps | |
| Loan Growth (YoY) | -0.38% | -0.14% | 4.47% | 7.68% | 13.18% | 16.08% | 13.39% | 9.26% | +157 bps | |
| Share Growth (YoY) | 1.96% | 1.85% | 4.21% | 5.52% | 6.86% | 12.43% | 10.69% | 9.67% | +415 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.72% | 0.68% | 0.64% | 0.51% | 0.67% | 0.57% | 0.70% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.47% | 11.76% | 11.79% | 11.76% | 11.80% | 11.67% | 11.42% | 11.22% | -54 bps | |
| Net Worth / Assets | 11.47% | 11.76% | 11.79% | 11.76% | 11.80% | 11.67% | 11.42% | 11.22% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.09% | 95.55% | 95.94% | 96.75% | 98.59% | 98.65% | 98.28% | 96.38% | -36 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |