PackageTrendsPeer
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Caprock Santa Fe

Slaton, TX · Charter 67441

NCUA · 1 branch

Q2 2026

$51.5MAssets
$14.6MLoans
$29.6MShares
$21.5MNet 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 2.14%, up 8 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 1.77% of loans (-3 bps YoY).
  • Capital: net worth / assets of 41.73%, up 82 bps from a year ago.
  • Funding: loans stand at 49.44% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.14%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-12 bps YoY

Efficiency Ratio (YTD, annualized)

50.93%+165 bps YoY

Net Worth / Assets

41.73%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.06%2.14%2.08%2.38%2.14%+8 bps
Return on Equity5.03%5.23%5.09%5.78%5.13%+10 bps
Net Interest Margin4.12%4.13%4.10%3.96%4.00%-12 bps
Efficiency Ratio49.27%49.15%49.83%48.47%50.93%+165 bps
Growth
Asset Growth (YoY)1.61%2.64%3.44%3.83%3.01%+140 bps
Loan Growth (YoY)-3.49%-4.72%-7.88%-11.46%-10.93%-744 bps
Share Growth (YoY)-1.22%0.80%2.24%3.24%1.26%+247 bps
Asset Quality
Delinquent Loans / Loans1.80%1.97%1.82%1.81%1.77%-3 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 Capital40.91%40.86%40.84%41.20%41.73%+82 bps
Net Worth / Assets40.91%40.86%40.84%41.20%41.73%+82 bps
Liquidity & Funding
Loans / Shares56.21%54.05%51.24%48.95%49.44%-677 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps