Pampa, TX · Charter 67581
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
24
Profitability
74
Liquidity
97
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pampa, TX · Charter 67581
NCUA · 2 branches
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 | 2.49% | 2.52% | 1.05% | 1.38% | 1.62% | 1.75% | 2.29% | 1.43% | +5 bps | |
| Return on Equity | 15.89% | 16.03% | 6.97% | 8.98% | 10.04% | 10.68% | 13.84% | 8.98% | 0 bps | |
| Net Interest Margin | 4.64% | 4.50% | 4.24% | 4.21% | 4.27% | 4.22% | 4.64% | 3.97% | -24 bps | |
| Efficiency Ratio | 56.16% | 55.27% | 64.23% | 62.76% | 62.37% | 61.14% | 59.20% | 66.58% | +381 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.89% | -0.93% | 3.75% | 7.50% | 8.35% | 5.43% | 2.04% | 6.50% | -100 bps | |
| Loan Growth (YoY) | -1.68% | -5.58% | -8.86% | -12.02% | -9.96% | -10.54% | -11.73% | -9.67% | +235 bps | |
| Share Growth (YoY) | -6.98% | -4.58% | 2.34% | 6.64% | 7.54% | 5.00% | 0.39% | 5.69% | -95 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.04% | 0.88% | 0.87% | 0.72% | 0.78% | 0.79% | 1.16% | +29 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 | 15.70% | 15.70% | 15.01% | 15.39% | 16.16% | 16.43% | 16.54% | 15.95% | +56 bps | |
| Net Worth / Assets | 15.70% | 15.70% | 15.01% | 15.39% | 16.16% | 16.43% | 16.54% | 15.95% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.12% | 89.55% | 80.15% | 77.80% | 79.64% | 76.29% | 70.48% | 66.49% | -1,131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pampa, TX · Charter 67581 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
1.43%
Rank 38 of 235
Net Interest Margin
3.97%
Rank 102 of 235
Efficiency Ratio
66.61%
Rank 40 of 235
Equity / Assets
15.95%
Rank 93 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 0.17% | 0.57% | 1.10% | Beats 84% | 38 / 235 | ||
| Return on Equity | 8.97% | 1.03% | 4.30% | 7.58% | Beats 81% | 44 / 235 | ||
| Net Interest Margin | 3.97% | 3.32% | 3.89% | 4.35% | Beats 57% | 102 / 235 | ||
| Efficiency Ratio | 66.61% | 70.60% | 82.00% | 91.57% | Beats 83% | 40 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.16% | 0.20% | 0.59% | 1.14% | Beats 24% | 180 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.95% | 11.30% | 14.41% | 19.49% | Beats 60% | 93 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.95% | 11.30% | 14.41% | 19.49% | Beats 60% | 93 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.49% | 54.18% | 67.38% | 81.66% | 48th pctl | 122 / 235 | ||
| Loans / Assets | 55.40% | 43.80% | 56.63% | 68.64% | 48th pctl | 122 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||