Midland, TX · Charter 6434
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 | 0.99% | 0.95% | 0.18% | 0.26% | -0.29% | -1.75% | -2.31% | -1.02% | -128 bps | |
| Return on Equity | 9.81% | 9.01% | 1.76% | 2.44% | -2.82% | -19.47% | -25.49% | -11.61% | -1,405 bps | |
| Net Interest Margin | 4.49% | 4.70% | 4.51% | 4.89% | 4.75% | 4.89% | 4.51% | 4.67% | -21 bps | |
| Efficiency Ratio | 78.27% | 78.58% | 83.07% | 81.67% | 84.98% | 90.19% | 75.91% | 90.88% | +921 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.28% | 20.17% | 20.01% | 10.51% | 0.01% | -1.52% | -8.84% | -7.01% | -1,753 bps | |
| Loan Growth (YoY) | 17.99% | 12.17% | 7.89% | 7.23% | 5.68% | 3.71% | 3.52% | -2.74% | -997 bps | |
| Share Growth (YoY) | 38.93% | 22.13% | 21.72% | 10.41% | -0.78% | -1.09% | -9.38% | -4.82% | -1,523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 2.46% | 1.99% | 1.90% | 3.26% | 2.67% | 1.91% | 1.14% | -77 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 | 10.14% | 10.60% | 9.95% | 10.48% | 10.11% | 9.01% | 9.05% | 8.80% | -167 bps | |
| Net Worth / Assets | 10.14% | 10.60% | 9.95% | 10.48% | 10.11% | 9.01% | 9.05% | 8.80% | -167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.82% | 86.10% | 78.69% | 88.64% | 90.34% | 90.28% | 89.89% | 90.58% | +194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |