Pampa, TX · Charter 67621
NCUA · 1 branch
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
47
Asset Quality
17
Profitability
63
Liquidity
2
Efficiency
74
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 67621
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.18% | 1.55% | 1.01% | 1.60% | 0.88% | -130 bps | |
| Return on Equity | 15.27% | 10.90% | 7.26% | 11.42% | 6.22% | -906 bps | |
| Net Interest Margin | 4.34% | 4.38% | 4.30% | 3.97% | 3.99% | -34 bps | |
| Efficiency Ratio | 63.16% | 62.09% | 71.72% | 76.10% | 71.66% | +850 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.92% | 2.18% | 2.77% | 3.69% | 4.05% | +213 bps | |
| Loan Growth (YoY) | 6.79% | 7.55% | -0.45% | -4.42% | -9.59% | -1,639 bps | |
| Share Growth (YoY) | 0.25% | 0.84% | 1.45% | 3.41% | 4.27% | +402 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 1.58% | 2.83% | 1.37% | 1.63% | +131 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.78% | 0.92% | 0.79% | 1.24% | +88 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.25% | 14.20% | 13.91% | 14.02% | 14.08% | -17 bps | |
| Net Worth / Assets | 14.25% | 14.20% | 13.91% | 14.02% | 14.08% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.79% | 102.49% | 97.71% | 91.88% | 90.86% | -1,393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pampa, TX · Charter 67621 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.89%
Rank 83 of 235
Net Interest Margin
4.00%
Rank 97 of 235
Efficiency Ratio
71.31%
Rank 63 of 235
Equity / Assets
14.08%
Rank 124 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.17% | 0.57% | 1.10% | Beats 65% | 83 / 235 | |
| Return on Equity | 6.32% | 1.03% | 4.30% | 7.58% | Beats 66% | 81 / 235 | |
| Net Interest Margin | 4.00% | 3.32% | 3.89% | 4.35% | Beats 59% | 97 / 235 | |
| Efficiency Ratio | 71.31% | 70.60% | 82.00% | 91.57% | Beats 74% | 63 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.63% | 0.20% | 0.59% | 1.14% | Beats 17% | 195 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.08% | 11.30% | 14.41% | 19.49% | Beats 47% | 124 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.08% | 11.30% | 14.41% | 19.49% | Beats 47% | 124 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.86% | 54.18% | 67.38% | 81.66% | 89th pctl | 26 / 235 | |
| Loans / Assets | 77.35% | 43.80% | 56.63% | 68.64% | 91st pctl | 22 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||