Amarillo, TX · Charter 67178
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 | 0.03% | 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 | |