Amarillo, TX · Charter 67178
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
73
Profitability
56
Liquidity
0
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Amarillo, TX · Charter 67178
NCUA · 3 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 | 0.03% | 0.06% | -0.43% | -0.24% | -0.11% | 0.09% | 0.46% | 0.68% | +92 bps | |
| Return on Equity | 0.29% | 0.56% | -3.96% | -2.21% | -1.00% | 0.85% | 4.38% | 6.42% | +863 bps | |
| Net Interest Margin | 3.20% | 3.22% | 3.12% | 3.32% | 3.44% | 3.51% | 3.79% | 3.82% | +50 bps | |
| Efficiency Ratio | 97.63% | 96.67% | 106.40% | 101.83% | 98.45% | 93.98% | 85.63% | 82.31% | -1,952 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.66% | 0.88% | -0.57% | -0.74% | 1.23% | 2.17% | 4.71% | 7.98% | +872 bps | |
| Loan Growth (YoY) | 1.61% | 1.09% | 0.70% | 2.87% | 8.34% | 9.36% | 13.05% | 16.31% | +1,344 bps | |
| Share Growth (YoY) | 1.26% | 3.31% | 1.32% | 2.67% | -0.22% | -1.69% | 1.11% | -0.05% | -272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.64% | 0.70% | 0.34% | 0.39% | 0.43% | 0.33% | 0.27% | -7 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 | 10.97% | 10.89% | 10.74% | 10.83% | 10.82% | 10.86% | 10.56% | 10.55% | -28 bps | |
| Net Worth / Assets | 10.97% | 10.89% | 10.74% | 10.83% | 10.82% | 10.86% | 10.56% | 10.55% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.80% | 99.54% | 98.22% | 100.28% | 109.45% | 110.72% | 109.81% | 116.70% | +1,642 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amarillo, TX · Charter 67178 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
0.68%
Rank 106 of 235
Net Interest Margin
3.82%
Rank 126 of 235
Efficiency Ratio
82.30%
Rank 122 of 235
Equity / Assets
10.55%
Rank 188 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.17% | 0.57% | 1.10% | Beats 55% | 106 / 235 | ||
| Return on Equity | 6.42% | 1.03% | 4.30% | 7.58% | Beats 66% | 80 / 235 | ||
| Net Interest Margin | 3.82% | 3.32% | 3.89% | 4.35% | Beats 46% | 126 / 235 | ||
| Efficiency Ratio | 82.30% | 70.60% | 82.00% | 91.57% | Beats 49% | 122 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.20% | 0.59% | 1.14% | Beats 73% | 64 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.55% | 11.30% | 14.41% | 19.49% | Beats 20% | 188 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.55% | 11.30% | 14.41% | 19.49% | Beats 20% | 188 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 116.70% | 54.18% | 67.38% | 81.66% | 99th pctl | 3 / 235 | ||
| Loans / Assets | 88.93% | 43.80% | 56.63% | 68.64% | 99th pctl | 2 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||