Wichita Falls, TX · Charter 67554
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 | 2.12% | 1.75% | 0.19% | 0.50% | 0.38% | 0.36% | -0.01% | 0.23% | -27 bps | |
| Return on Equity | 17.43% | 14.61% | 1.61% | 4.27% | 3.23% | 3.18% | -0.07% | 2.10% | -217 bps | |
| Net Interest Margin | 3.73% | 3.73% | 3.88% | 3.97% | 4.02% | 3.97% | 3.79% | 3.84% | -13 bps | |
| Efficiency Ratio | 65.44% | 69.01% | 95.27% | 87.31% | 89.67% | 89.18% | 94.87% | 90.85% | +355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | 3.41% | 5.95% | 4.88% | 7.16% | 6.85% | 7.01% | 7.81% | +293 bps | |
| Loan Growth (YoY) | 2.48% | 0.75% | -1.07% | -1.44% | 0.99% | 2.24% | 3.38% | 2.17% | +361 bps | |
| Share Growth (YoY) | -0.78% | 0.54% | 4.44% | 4.63% | 7.55% | 8.86% | 7.71% | 8.53% | +390 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.23% | 0.39% | 0.31% | 0.34% | 0.27% | 0.08% | 0.33% | +2 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 | 12.18% | 12.01% | 11.80% | 11.66% | 11.70% | 11.48% | 11.22% | 11.05% | -61 bps | |
| Net Worth / Assets | 12.18% | 12.01% | 11.80% | 11.66% | 11.70% | 11.48% | 11.22% | 11.05% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.88% | 59.59% | 56.45% | 56.17% | 56.22% | 55.96% | 54.18% | 52.88% | -329 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |