Abilene, TX · Charter 67542
NCUA · 1 branch
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 | 1.59% | 1.59% | 1.20% | 1.48% | 1.36% | 1.36% | 1.27% | 1.34% | -13 bps | |
| Return on Equity | 14.38% | 13.88% | 10.40% | 12.39% | 11.47% | 11.47% | 10.87% | 11.47% | -92 bps | |
| Net Interest Margin | 3.76% | 3.77% | 3.62% | 3.68% | 3.60% | 3.50% | 3.24% | 3.22% | -46 bps | |
| Efficiency Ratio | 64.95% | 65.24% | 74.32% | 67.58% | 69.09% | 68.29% | 73.13% | 68.22% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.70% | -5.43% | -3.73% | -3.31% | 4.84% | 9.04% | 10.62% | 14.01% | +1,732 bps | |
| Loan Growth (YoY) | -9.75% | -14.34% | -14.88% | -11.16% | -6.64% | 2.23% | 4.06% | 9.72% | +2,088 bps | |
| Share Growth (YoY) | -8.93% | -7.32% | -6.07% | -5.40% | 3.76% | 8.08% | 10.51% | 14.47% | +1,987 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.40% | 0.65% | 0.05% | 0.00% | 0.16% | 0.55% | 1.24% | +118 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 | 11.04% | 11.46% | 11.49% | 11.92% | 11.89% | 11.83% | 11.71% | 11.72% | -20 bps | |
| Net Worth / Assets | 11.04% | 11.46% | 11.49% | 11.92% | 11.89% | 11.83% | 11.71% | 11.72% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.52% | 46.17% | 43.75% | 44.40% | 42.76% | 43.66% | 41.20% | 42.56% | -184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |