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Reeves County Teachers

Pecos, TX · Charter 61532

NCUA · 1 branch

Q2 2026

$11.5MAssets
$8.5MLoans
$10.0MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.44%, down 79 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.00% of loans (-9 bps YoY).
  • Capital: net worth / assets of 12.07%, down 57 bps from a year ago.
  • Funding: loans stand at 84.83% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.44%-79 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+23 bps YoY

Efficiency Ratio (YTD, annualized)

81.35%-2,008 bps YoY

Net Worth / Assets

12.07%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%-0.01%2.14%1.23%0.87%0.50%1.24%0.44%-79 bps
Return on Equity0.97%-0.04%17.07%9.71%6.82%4.09%10.11%3.62%-609 bps
Net Interest Margin3.05%2.83%2.86%2.90%2.99%3.06%3.08%3.14%+23 bps
Efficiency Ratio96.67%98.37%102.46%101.42%99.87%103.36%76.01%81.35%-2,008 bps
Growth
Asset Growth (YoY)7.59%15.09%11.41%6.02%6.24%0.25%3.25%3.87%-215 bps
Loan Growth (YoY)15.63%21.55%11.78%7.28%7.25%0.78%-1.70%-0.24%-752 bps
Share Growth (YoY)9.88%18.40%13.46%6.47%6.41%-0.67%3.40%4.18%-228 bps
Asset Quality
Delinquent Loans / Loans0.00%0.01%0.08%0.09%0.03%0.36%0.20%0.00%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.34%12.16%12.56%12.63%12.71%12.23%12.23%12.07%-57 bps
Net Worth / Assets13.34%12.16%12.56%12.63%12.71%12.23%12.23%12.07%-57 bps
Liquidity & Funding
Loans / Shares89.01%88.70%88.34%88.59%89.71%90.00%83.98%84.83%-376 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps