PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Odessa Employees

Odessa, TX · Charter 67534

NCUA · 3 branches

Q2 2026

$21.0MAssets
$10.6MLoans
$17.5MShares
$3.4MNet Worth

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.05%1.03%0.99%0.97%0.93%0.47%0.65%-34 bps
Return on Equity6.96%6.61%6.59%6.12%5.92%5.64%2.96%4.02%-210 bps
Net Interest Margin3.83%3.95%4.04%4.09%4.16%4.17%4.01%4.11%+1 bps
Efficiency Ratio73.30%74.97%85.76%80.58%80.17%80.65%93.67%87.58%+700 bps
Growth
Asset Growth (YoY)3.55%-1.80%1.91%1.50%-0.08%2.74%3.72%4.46%+296 bps
Loan Growth (YoY)1.59%-3.99%-9.90%-6.47%1.58%10.46%12.15%14.45%+2,092 bps
Share Growth (YoY)2.50%-2.77%1.93%-0.08%-1.20%1.96%2.91%6.34%+641 bps
Asset Quality
Delinquent Loans / Loans0.48%0.47%0.35%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.53%15.96%15.67%16.14%16.45%16.41%15.81%16.15%+1 bps
Net Worth / Assets15.53%15.96%15.67%16.14%16.45%16.41%15.81%16.15%+1 bps
Liquidity & Funding
Loans / Shares57.92%57.23%54.38%56.39%59.55%62.00%59.26%60.69%+430 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps