Wichita Falls, TX · Charter 6317
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.97% | -1.01% | -0.18% | 0.09% | 0.79% | 1.01% | 0.52% | 0.79% | +71 bps | |
| Return on Equity | -7.45% | -7.90% | -1.53% | 0.72% | 6.73% | 8.11% | 4.35% | 6.72% | +600 bps | |
| Net Interest Margin | 4.94% | 4.97% | 4.85% | 4.89% | 4.72% | 4.96% | 4.90% | 4.92% | +4 bps | |
| Efficiency Ratio | 111.01% | 108.20% | 97.25% | 91.73% | 81.39% | 81.72% | 83.06% | 79.57% | -1,216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.46% | -1.72% | 3.76% | 6.22% | 14.95% | 11.84% | 11.96% | 12.50% | +628 bps | |
| Loan Growth (YoY) | 13.91% | 15.02% | 19.61% | 19.21% | 16.12% | 11.24% | 6.87% | 6.62% | -1,259 bps | |
| Share Growth (YoY) | -2.05% | -0.64% | 5.79% | 8.24% | 17.03% | 12.61% | 12.46% | 11.85% | +361 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.12% | 0.34% | 0.18% | 0.12% | 0.35% | 0.00% | 0.32% | +14 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 | 13.04% | 12.78% | 12.09% | 11.86% | 11.69% | 12.44% | 11.92% | 11.83% | -3 bps | |
| Net Worth / Assets | 13.04% | 12.78% | 12.09% | 11.86% | 11.69% | 12.44% | 11.92% | 11.83% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.05% | 72.41% | 72.57% | 72.48% | 68.51% | 71.54% | 68.96% | 69.09% | -339 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |