Plains, TX · Charter 6472
NCUA · 1 branch
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 | 0.76% | 0.07% | -0.86% | -0.80% | -0.28% | -0.31% | 0.60% | 0.31% | +111 bps | |
| Return on Equity | 3.45% | 0.30% | -3.70% | -3.44% | -1.24% | -1.33% | 2.42% | 1.24% | +467 bps | |
| Net Interest Margin | 2.92% | 2.97% | 2.19% | 2.28% | 2.30% | 2.51% | 3.61% | 3.74% | +145 bps | |
| Efficiency Ratio | 93.07% | 103.96% | 135.45% | 121.43% | 103.82% | 114.39% | 83.83% | 91.68% | -2,976 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.48% | -5.95% | -9.14% | -10.07% | -7.46% | -5.28% | -5.50% | -5.47% | +460 bps | |
| Loan Growth (YoY) | -10.91% | -15.38% | -13.72% | -16.82% | -7.83% | 3.68% | 3.54% | 10.44% | +2,726 bps | |
| Share Growth (YoY) | -7.69% | -7.93% | -11.38% | -12.16% | -8.94% | -6.58% | -7.05% | -7.22% | +494 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 0.77% | 0.34% | 1.51% | 0.99% | 0.14% | 0.82% | 0.09% | -143 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 | 0.08% | 0.59% | 0.52% | 0.82% | 0.75% | 0.28% | 0.27% | 0.22% | -60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.98% | 22.36% | 23.18% | 23.35% | 22.99% | 23.30% | 24.59% | 24.95% | +160 bps | |
| Net Worth / Assets | 21.98% | 22.36% | 23.18% | 23.35% | 22.99% | 23.30% | 24.59% | 24.95% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.03% | 61.28% | 63.95% | 61.55% | 62.79% | 68.00% | 71.23% | 73.27% | +1,172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |