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Abilene Teachers

Abilene, TX · Charter 6743

NCUA · 5 branches

Q2 2026

$690.4MAssets
$415.4MLoans
$547.0MShares
$129.9MNet Worth

Executive Summary

  • Earnings: ROA of 2.56%, up 100 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.31% of loans (+1 bps YoY).
  • Capital: net worth / assets of 18.82%, up 80 bps from a year ago.
  • Funding: loans stand at 75.94% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

2.56%+100 bps YoY

Net Interest Margin (quarter, annualized)

4.23%+22 bps YoY

Efficiency Ratio (quarter, annualized)

59.96%-1,218 bps YoY

Net Worth / Assets

18.82%+80 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.31%1.12%1.56%1.69%1.63%1.89%2.56%+100 bps
Return on Equity6.76%7.35%6.36%8.65%9.26%8.98%10.37%13.62%+497 bps
Net Interest Margin3.68%3.72%3.97%4.01%4.02%4.00%4.17%4.23%+22 bps
Efficiency Ratio75.10%72.02%77.44%72.15%70.00%69.93%70.83%59.96%-1,218 bps
Growth
Asset Growth (YoY)1.87%4.00%2.19%5.27%5.74%7.68%7.70%8.03%+276 bps
Loan Growth (YoY)4.94%4.15%5.10%5.82%3.72%3.79%3.13%3.41%-241 bps
Share Growth (YoY)1.90%4.00%1.83%5.29%4.73%6.96%6.20%6.34%+105 bps
Asset Quality
Delinquent Loans / Loans0.49%0.46%0.17%0.30%0.28%0.30%0.12%0.31%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.48%17.83%17.69%18.03%18.21%18.20%18.24%18.82%+80 bps
Net Worth / Assets17.48%17.83%17.69%18.03%18.21%18.20%18.24%18.82%+80 bps
Liquidity & Funding
Loans / Shares78.05%78.65%77.20%78.10%77.30%76.33%74.97%75.94%-215 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps