Amarillo, TX · Charter 67494
NCUA · 11 branches
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 | -0.39% | -0.34% | -0.14% | 0.04% | 0.06% | 0.66% | -0.66% | 0.53% | +50 bps | |
| Return on Equity | -3.40% | -2.90% | -1.27% | 0.33% | 0.54% | 5.35% | -5.43% | 4.22% | +388 bps | |
| Net Interest Margin | 3.97% | 4.08% | 4.18% | 4.27% | 4.35% | 4.89% | 3.67% | 4.50% | +23 bps | |
| Efficiency Ratio | 92.97% | 91.27% | 88.54% | 85.67% | 84.20% | 78.33% | 100.06% | 83.12% | -254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.18% | -2.11% | 0.70% | 0.84% | 1.13% | 1.94% | -1.21% | -2.27% | -312 bps | |
| Loan Growth (YoY) | 0.50% | 0.99% | 0.97% | 1.09% | -1.14% | -0.85% | -0.79% | -0.98% | -207 bps | |
| Share Growth (YoY) | -3.27% | -2.35% | 0.09% | 1.69% | 6.41% | 8.46% | 3.30% | 0.62% | -107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.93% | 0.79% | 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 | 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 | 11.55% | 11.57% | 11.24% | 11.21% | 11.33% | 12.25% | 12.15% | 12.63% | +143 bps | |
| Net Worth / Assets | 11.55% | 11.57% | 11.24% | 11.21% | 11.33% | 12.25% | 12.15% | 12.63% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.12% | 101.27% | 96.14% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |