PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Concho Valley

San Angelo, TX · Charter 67473

NCUA · 1 branch

Q2 2026

$25.7MAssets
$13.5MLoans
$22.6MShares
$2.9MNet 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 0.79%, down 5 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.14% of loans (+14 bps YoY).
  • Capital: net worth / assets of 11.44%, up 47 bps from a year ago.
  • Funding: loans stand at 59.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+2 bps YoY

Efficiency Ratio (YTD, annualized)

78.22%-7 bps YoY

Net Worth / Assets

11.44%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.89%0.91%0.76%0.79%-5 bps
Return on Equity7.58%7.94%8.05%6.77%6.88%-71 bps
Net Interest Margin3.22%3.27%3.31%3.17%3.24%+2 bps
Efficiency Ratio78.29%77.20%76.74%78.62%78.22%-7 bps
Growth
Asset Growth (YoY)7.50%6.01%7.74%8.17%2.98%-452 bps
Loan Growth (YoY)8.92%12.97%9.69%6.70%16.85%+793 bps
Share Growth (YoY)7.15%6.18%7.41%8.16%2.67%-448 bps
Asset Quality
Delinquent Loans / Loans0.00%0.15%0.10%0.16%0.14%+14 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 Capital10.98%11.15%11.33%11.26%11.44%+47 bps
Net Worth / Assets10.98%11.15%11.33%11.26%11.44%+47 bps
Liquidity & Funding
Loans / Shares52.36%54.17%55.60%54.67%59.59%+723 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps