PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

West Texas

Odessa, TX · Charter 67592

NCUA · 3 branches

Q2 2026

$70.3MAssets
$38.0MLoans
$63.1MShares
$6.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.11%, down 17 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 1.07% of loans (+38 bps YoY).
  • Capital: net worth / assets of 9.30%, down 49 bps from a year ago.
  • Funding: loans stand at 60.25% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.11%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.13%-22 bps YoY

Efficiency Ratio (YTD, annualized)

95.63%+196 bps YoY

Net Worth / Assets

9.30%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.24%0.27%0.10%0.11%-17 bps
Return on Equity2.89%2.41%2.72%1.03%1.17%-172 bps
Net Interest Margin4.35%4.40%4.42%4.10%4.13%-22 bps
Efficiency Ratio93.67%94.69%93.12%98.36%95.63%+196 bps
Growth
Asset Growth (YoY)5.30%5.57%4.29%7.84%6.91%+161 bps
Loan Growth (YoY)15.88%18.87%10.99%1.98%-2.87%-1,875 bps
Share Growth (YoY)5.61%5.73%4.42%8.48%7.68%+207 bps
Asset Quality
Delinquent Loans / Loans0.69%0.92%0.95%0.77%1.07%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.78%9.83%9.92%9.27%9.30%-49 bps
Net Worth / Assets9.78%9.83%9.92%9.27%9.30%-49 bps
Liquidity & Funding
Loans / Shares66.79%67.57%66.71%60.58%60.25%-654 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps