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Letter portraitLegal landscapeQuarterYTD

Amarillo Postal Employees

Amarillo, TX · Charter 67639

NCUA · 1 branch

Q2 2026

$19.5MAssets
$7.7MLoans
$16.9MShares
$2.5MNet 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 0.06%, down 4 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY).
  • Capital: net worth / assets of 12.75%, down 48 bps from a year ago.
  • Funding: loans stand at 45.65% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.06%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.04%-16 bps YoY

Efficiency Ratio (quarter, annualized)

96.87%+646 bps YoY

Net Worth / Assets

12.75%-48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.13%0.16%-0.13%0.06%-4 bps
Return on Equity0.73%1.02%1.22%-1.05%0.45%-27 bps
Net Interest Margin3.21%3.15%3.18%2.98%3.04%-16 bps
Efficiency Ratio90.41%91.33%91.17%101.31%96.87%+646 bps
Growth
Asset Growth (YoY)-2.83%3.10%2.28%2.54%4.42%+725 bps
Loan Growth (YoY)-11.22%-0.57%-3.30%11.18%10.26%+2,149 bps
Share Growth (YoY)-4.21%2.20%3.91%3.99%6.29%+1,050 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.03%0.13%+13 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 Capital13.22%12.90%13.03%12.60%12.75%-48 bps
Net Worth / Assets13.22%12.90%13.03%12.60%12.75%-48 bps
Liquidity & Funding
Loans / Shares44.00%45.74%44.93%46.89%45.65%+165 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps