Amarillo, TX · Charter 67494
NCUA · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
45
Profitability
59
Liquidity
0
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Amarillo, TX · Charter 67494
NCUA · 11 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.06% | 0.66% | -0.66% | 0.53% | +50 bps | |
| Return on Equity | 0.33% | 0.54% | 5.35% | -5.43% | 4.22% | +388 bps | |
| Net Interest Margin | 4.27% | 4.35% | 4.89% | 3.67% | 4.50% | +23 bps | |
| Efficiency Ratio | 85.67% | 84.20% | 78.33% | 100.06% | 83.12% | -254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.84% | 1.13% | 1.94% | -1.21% | -2.27% | -312 bps | |
| Loan Growth (YoY) | 1.09% | -1.14% | -0.85% | -0.79% | -0.98% | -207 bps | |
| Share Growth (YoY) | 1.69% | 6.41% | 8.46% | 3.30% | 0.62% | -107 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.92% | 0.89% | 1.12% | 0.66% | 0.64% | -28 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.21% | 11.33% | 12.25% | 12.15% | 12.63% | +143 bps | |
| Net Worth / Assets | 11.21% | 11.33% | 12.25% | 12.15% | 12.63% | +143 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.08% | 92.09% | 92.57% | 92.34% | 94.55% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amarillo, TX · Charter 67494 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 11 branches
Q2 2026
Return on Assets
0.53%
Rank 124 of 235
Net Interest Margin
4.50%
Rank 47 of 235
Efficiency Ratio
83.13%
Rank 128 of 235
Equity / Assets
12.63%
Rank 145 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.17% | 0.57% | 1.10% | Beats 47% | 124 / 235 | |
| Return on Equity | 4.22% | 1.03% | 4.30% | 7.58% | Beats 49% | 120 / 235 | |
| Net Interest Margin | 4.50% | 3.32% | 3.89% | 4.35% | Beats 80% | 47 / 235 | |
| Efficiency Ratio | 83.13% | 70.60% | 82.00% | 91.57% | Beats 46% | 128 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.20% | 0.59% | 1.14% | Beats 45% | 131 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.63% | 11.30% | 14.41% | 19.49% | Beats 38% | 145 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.63% | 11.30% | 14.41% | 19.49% | Beats 38% | 145 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.55% | 54.18% | 67.38% | 81.66% | 93rd pctl | 17 / 235 | |
| Loans / Assets | 81.47% | 43.80% | 56.63% | 68.64% | 96th pctl | 10 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||