Wichita Falls, TX · Charter 67549
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 | 0.36% | 0.42% | -0.26% | 0.04% | 0.22% | 0.36% | -0.79% | -0.78% | -82 bps | |
| Return on Equity | 2.65% | 3.02% | -1.87% | 0.28% | 1.47% | 2.40% | -5.30% | -4.81% | -509 bps | |
| Net Interest Margin | 4.87% | 4.94% | 4.66% | 4.78% | 4.85% | 4.86% | 4.51% | 4.81% | +3 bps | |
| Efficiency Ratio | 88.25% | 87.48% | 98.84% | 95.79% | 93.03% | 92.19% | 106.11% | 107.75% | +1,196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.37% | -9.15% | -5.11% | -6.19% | -4.25% | -3.19% | -4.66% | -12.93% | -674 bps | |
| Loan Growth (YoY) | -5.94% | 0.74% | -6.40% | -5.16% | -7.60% | -11.35% | -7.29% | -15.16% | -999 bps | |
| Share Growth (YoY) | -9.88% | -11.06% | -6.08% | -7.09% | -4.85% | -4.21% | -12.34% | -14.04% | -695 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.28% | 0.30% | 0.35% | 0.60% | 0.29% | 0.74% | 0.47% | +12 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 | 0.37% | 0.27% | 0.45% | 0.47% | 0.54% | 0.44% | 0.70% | 0.65% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.73% | 14.06% | 13.95% | 14.11% | 14.66% | 14.88% | 14.86% | 16.26% | +214 bps | |
| Net Worth / Assets | 13.73% | 14.06% | 13.95% | 14.11% | 14.66% | 14.88% | 14.86% | 16.26% | +214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.95% | 64.42% | 59.17% | 60.97% | 59.18% | 59.62% | 62.58% | 60.18% | -79 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |