PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Education

Amarillo, TX · Charter 67494

NCUA · 11 branches

Q2 2026

$469.2MAssets
$382.3MLoans
$404.3MShares
$59.3MNet 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 0.53%, up 50 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.64% of loans (-28 bps YoY).
  • Capital: net worth / assets of 12.63%, up 143 bps from a year ago.
  • Funding: loans stand at 94.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+50 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+23 bps YoY

Efficiency Ratio (YTD, annualized)

83.12%-254 bps YoY

Net Worth / Assets

12.63%+143 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.06%0.66%-0.66%0.53%+50 bps
Return on Equity0.33%0.54%5.35%-5.43%4.22%+388 bps
Net Interest Margin4.27%4.35%4.89%3.67%4.50%+23 bps
Efficiency Ratio85.67%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 / Loans0.92%0.89%1.12%0.66%0.64%-28 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 Capital11.21%11.33%12.25%12.15%12.63%+143 bps
Net Worth / Assets11.21%11.33%12.25%12.15%12.63%+143 bps
Liquidity & Funding
Loans / Shares96.08%92.09%92.57%92.34%94.55%-153 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps