Amarillo, TX · Charter 67639
NCUA · 1 branch
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 | 0.09% | 0.14% | 0.17% | 0.10% | 0.13% | 0.16% | -0.13% | 0.06% | -4 bps | |
| Return on Equity | 0.65% | 1.03% | 1.34% | 0.73% | 1.02% | 1.22% | -1.05% | 0.45% | -27 bps | |
| Net Interest Margin | 2.99% | 3.07% | 3.16% | 3.21% | 3.15% | 3.18% | 2.98% | 3.04% | -16 bps | |
| Efficiency Ratio | 89.16% | 87.49% | 91.98% | 90.41% | 91.33% | 91.17% | 101.31% | 96.87% | +646 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.12% | 1.52% | 2.41% | -2.83% | 3.10% | 2.28% | 2.54% | 4.42% | +725 bps | |
| Loan Growth (YoY) | -4.85% | -1.29% | -4.79% | -11.22% | -0.57% | -3.30% | 11.18% | 10.26% | +2,149 bps | |
| Share Growth (YoY) | -0.65% | 0.31% | 1.35% | -4.21% | 2.20% | 3.91% | 3.99% | 6.29% | +1,050 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.00% | 0.80% | 0.00% | 0.00% | 0.00% | 0.03% | 0.13% | +13 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 | 13.19% | 13.22% | 12.90% | 13.22% | 12.90% | 13.03% | 12.60% | 12.75% | -48 bps | |
| Net Worth / Assets | 13.19% | 13.22% | 12.90% | 13.22% | 12.90% | 13.03% | 12.60% | 12.75% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.02% | 48.28% | 43.85% | 44.00% | 45.74% | 44.93% | 46.89% | 45.65% | +165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |