Levelland, TX · Charter 67516
NCUA · 1 branch
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 | 0.43% | -0.71% | -0.36% | -0.72% | 0.39% | -3 bps | |
| Return on Equity | 3.97% | -7.05% | -3.67% | -7.70% | 4.18% | +22 bps | |
| Net Interest Margin | 3.29% | 3.32% | 3.18% | 3.48% | 3.40% | +11 bps | |
| Efficiency Ratio | 87.29% | 90.04% | 88.84% | 95.71% | 95.89% | +860 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.78% | 4.33% | 10.34% | 8.85% | 9.57% | -21 bps | |
| Loan Growth (YoY) | 8.37% | 5.69% | 5.42% | 2.16% | 3.34% | -503 bps | |
| Share Growth (YoY) | 12.42% | 6.73% | 13.49% | 11.28% | 11.16% | -126 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 0.59% | 0.82% | 0.62% | 0.65% | -114 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 | 10.80% | 10.15% | 9.66% | 9.39% | 9.42% | -138 bps | |
| Net Worth / Assets | 10.80% | 10.15% | 9.66% | 9.39% | 9.42% | -138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.03% | 69.05% | 66.19% | 64.59% | 63.25% | -478 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |