San Angelo, TX · Charter 67473
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.68% | 0.71% | 0.83% | 0.89% | 0.91% | 0.76% | 0.79% | -5 bps | |
| Return on Equity | 5.16% | 6.04% | 6.31% | 7.58% | 7.94% | 8.05% | 6.77% | 6.88% | -71 bps | |
| Net Interest Margin | 2.94% | 3.05% | 3.20% | 3.22% | 3.27% | 3.31% | 3.17% | 3.24% | +2 bps | |
| Efficiency Ratio | 84.16% | 83.75% | 81.42% | 78.29% | 77.20% | 76.74% | 78.62% | 78.22% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.18% | 1.83% | 0.92% | 7.50% | 6.01% | 7.74% | 8.17% | 2.98% | -452 bps | |
| Loan Growth (YoY) | -0.50% | 5.91% | 9.85% | 8.92% | 12.97% | 9.69% | 6.70% | 16.85% | +793 bps | |
| Share Growth (YoY) | 2.00% | 0.70% | -0.68% | 7.15% | 6.18% | 7.41% | 8.16% | 2.67% | -448 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.02% | 0.10% | 0.00% | 0.15% | 0.10% | 0.16% | 0.14% | +14 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% | 11.33% | 11.29% | 10.98% | 11.15% | 11.33% | 11.26% | 11.44% | +47 bps | |
| Net Worth / Assets | 10.97% | 11.33% | 11.29% | 10.98% | 11.15% | 11.33% | 11.26% | 11.44% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.91% | 54.44% | 55.42% | 52.36% | 54.17% | 55.60% | 54.67% | 59.59% | +723 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |