PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Odessa Employees

Odessa, TX · Charter 67534

NCUA · 3 branches

Q2 2026

$21.0MAssets
$10.6MLoans
$17.5MShares
$3.4MNet 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 0.65%, down 34 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.15%, up 1 bps from a year ago.
  • Funding: loans stand at 60.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+1 bps YoY

Efficiency Ratio (YTD, annualized)

87.58%+700 bps YoY

Net Worth / Assets

16.15%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.97%0.93%0.47%0.65%-34 bps
Return on Equity6.12%5.92%5.64%2.96%4.02%-210 bps
Net Interest Margin4.09%4.16%4.17%4.01%4.11%+1 bps
Efficiency Ratio80.58%80.17%80.65%93.67%87.58%+700 bps
Growth
Asset Growth (YoY)1.50%-0.08%2.74%3.72%4.46%+296 bps
Loan Growth (YoY)-6.47%1.58%10.46%12.15%14.45%+2,092 bps
Share Growth (YoY)-0.08%-1.20%1.96%2.91%6.34%+641 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 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 Capital16.14%16.45%16.41%15.81%16.15%+1 bps
Net Worth / Assets16.14%16.45%16.41%15.81%16.15%+1 bps
Liquidity & Funding
Loans / Shares56.39%59.55%62.00%59.26%60.69%+430 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps