Odessa, TX · Charter 67609
NCUA · 7 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 | 0.37% | 0.43% | 0.54% | 0.62% | 1.16% | 1.04% | 0.50% | 0.59% | -2 bps | |
| Return on Equity | 3.41% | 3.87% | 5.32% | 6.06% | 10.86% | 9.49% | 4.41% | 5.19% | -87 bps | |
| Net Interest Margin | 3.58% | 3.65% | 3.33% | 3.38% | 3.37% | 3.43% | 3.42% | 3.44% | +6 bps | |
| Efficiency Ratio | 82.18% | 82.05% | 86.99% | 85.17% | 73.84% | 76.33% | 86.70% | 85.05% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | -1.51% | 8.24% | 11.25% | 12.36% | 12.33% | -1.46% | -2.32% | -1,357 bps | |
| Loan Growth (YoY) | -8.73% | -8.01% | -8.67% | -12.48% | -14.21% | -16.94% | -17.91% | -13.01% | -53 bps | |
| Share Growth (YoY) | -2.80% | -0.99% | 1.07% | 2.78% | 2.99% | 3.22% | 1.15% | -0.44% | -321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.66% | 0.45% | 0.70% | 0.51% | 0.80% | 0.30% | 0.29% | -40 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 | 10.89% | 11.13% | 10.18% | 10.18% | 10.70% | 10.95% | 11.39% | 11.46% | +128 bps | |
| Net Worth / Assets | 10.89% | 11.13% | 10.18% | 10.18% | 10.70% | 10.95% | 11.39% | 11.46% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.78% | 74.99% | 69.44% | 65.22% | 63.12% | 60.34% | 56.36% | 56.99% | -824 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |