PackageTrendsPeer
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Access Community

Amarillo, TX · Charter 67178

NCUA · 3 branches

Q2 2026

$210.9MAssets
$187.6MLoans
$160.7MShares
$22.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.68%, up 92 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.27% of loans (-7 bps YoY).
  • Capital: net worth / assets of 10.55%, down 28 bps from a year ago.
  • Funding: loans stand at 116.70% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+92 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+50 bps YoY

Efficiency Ratio (YTD, annualized)

82.31%-1,952 bps YoY

Net Worth / Assets

10.55%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.24%-0.11%0.09%0.46%0.68%+92 bps
Return on Equity-2.21%-1.00%0.85%4.38%6.42%+863 bps
Net Interest Margin3.32%3.44%3.51%3.79%3.82%+50 bps
Efficiency Ratio101.83%98.45%93.98%85.63%82.31%-1,952 bps
Growth
Asset Growth (YoY)-0.74%1.23%2.17%4.71%7.98%+872 bps
Loan Growth (YoY)2.87%8.34%9.36%13.05%16.31%+1,344 bps
Share Growth (YoY)2.67%-0.22%-1.69%1.11%-0.05%-272 bps
Asset Quality
Delinquent Loans / Loans0.34%0.39%0.43%0.33%0.27%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.83%10.82%10.86%10.56%10.55%-28 bps
Net Worth / Assets10.83%10.82%10.86%10.56%10.55%-28 bps
Liquidity & Funding
Loans / Shares100.28%109.45%110.72%109.81%116.70%+1,642 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps