Abilene, TX · Charter 67439
NCUA · 2 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 | 0.92% | 0.93% | 0.95% | 0.83% | 1.10% | 1.23% | 0.90% | 0.96% | +13 bps | |
| Return on Equity | 5.59% | 5.43% | 5.40% | 4.68% | 6.17% | 6.84% | 5.13% | 5.58% | +90 bps | |
| Net Interest Margin | 3.72% | 3.79% | 3.91% | 4.02% | 4.13% | 4.00% | 4.09% | 3.96% | -6 bps | |
| Efficiency Ratio | 68.23% | 68.82% | 71.10% | 68.30% | 64.96% | 62.96% | 68.92% | 69.13% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.42% | 0.88% | -2.34% | -1.68% | -2.42% | 2.50% | 7.69% | 10.63% | +1,230 bps | |
| Loan Growth (YoY) | -1.40% | -4.45% | -5.83% | -2.93% | 3.95% | 5.45% | 4.62% | 3.25% | +618 bps | |
| Share Growth (YoY) | 2.67% | 0.71% | -2.73% | -4.40% | -4.61% | 1.62% | 7.14% | 12.35% | +1,675 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.51% | 0.34% | 0.16% | 0.27% | 0.45% | 0.07% | 0.54% | +38 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 | 16.39% | 17.14% | 17.56% | 17.63% | 17.85% | 17.95% | 17.49% | 17.19% | -44 bps | |
| Net Worth / Assets | 16.39% | 17.14% | 17.56% | 17.63% | 17.85% | 17.95% | 17.49% | 17.19% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.64% | 100.88% | 101.64% | 104.18% | 105.31% | 104.67% | 99.24% | 95.74% | -844 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |