Odessa, TX · Charter 67550
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.61% | 0.35% | 0.40% | 0.20% | 0.27% | 0.59% | 0.43% | +3 bps | |
| Return on Equity | 5.55% | 5.30% | 3.15% | 3.59% | 1.84% | 2.50% | 5.36% | 3.83% | +25 bps | |
| Net Interest Margin | 3.89% | 4.01% | 3.90% | 3.99% | 3.97% | 3.95% | 3.99% | 4.09% | +10 bps | |
| Efficiency Ratio | 84.19% | 84.36% | 89.47% | 87.50% | 86.37% | 86.39% | 84.32% | 84.84% | -266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.80% | 2.10% | 3.44% | 3.90% | 3.94% | 6.75% | 5.58% | 2.68% | -121 bps | |
| Loan Growth (YoY) | 0.73% | 1.07% | -0.78% | -0.86% | 0.02% | 6.09% | 7.49% | 6.41% | +727 bps | |
| Share Growth (YoY) | 5.08% | 3.05% | 3.89% | 3.66% | 3.78% | 7.21% | 6.01% | 2.85% | -81 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 1.42% | 0.62% | 1.68% | 0.82% | 0.70% | 0.88% | 0.57% | -111 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 | 11.18% | 11.44% | 11.20% | 11.22% | 11.03% | 10.98% | 10.93% | 11.21% | -1 bps | |
| Net Worth / Assets | 11.18% | 11.44% | 11.20% | 11.22% | 11.03% | 10.98% | 10.93% | 11.21% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.45% | 78.41% | 73.62% | 72.98% | 74.65% | 77.60% | 74.65% | 75.50% | +252 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |