Midland, TX · Charter 67475
NCUA · 1 branch
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 | 0.06% | 0.12% | 0.21% | 0.41% | 0.49% | 0.63% | 0.57% | 0.65% | +24 bps | |
| Return on Equity | 0.45% | 0.84% | 1.55% | 2.92% | 3.44% | 4.29% | 3.82% | 4.33% | +141 bps | |
| Net Interest Margin | 1.70% | 1.75% | 2.03% | 2.27% | 2.33% | 2.51% | 2.47% | 2.55% | +28 bps | |
| Efficiency Ratio | 105.28% | 98.17% | 90.63% | 79.37% | 77.11% | 70.27% | 77.73% | 74.13% | -524 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | 0.03% | 0.12% | 0.48% | -0.08% | -1.63% | -3.40% | -0.96% | -144 bps | |
| Loan Growth (YoY) | -4.36% | 3.19% | 0.20% | 16.93% | 11.33% | 5.43% | 0.39% | -11.28% | -2,820 bps | |
| Share Growth (YoY) | -2.91% | 0.02% | 0.05% | 0.25% | -0.72% | -2.46% | -4.79% | -1.86% | -210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.44% | 0.49% | 0.69% | 0.57% | 0.04% | 0.39% | 0.44% | -26 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 | 13.77% | 13.76% | 13.69% | 14.06% | 14.20% | 14.60% | 14.88% | 14.92% | +86 bps | |
| Net Worth / Assets | 13.77% | 13.76% | 13.69% | 14.06% | 14.20% | 14.60% | 14.88% | 14.92% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.49% | 28.53% | 27.49% | 32.63% | 30.83% | 30.84% | 28.99% | 29.50% | -313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |