Midland, TX · Charter 67642
NCUA · 3 branches
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 | -0.56% | 0.15% | 0.35% | 0.11% | 0.18% | +74 bps | |
| Return on Equity | -4.52% | 1.18% | 2.78% | 0.90% | 1.47% | +599 bps | |
| Net Interest Margin | 4.61% | 4.63% | 4.73% | 4.36% | 4.43% | -18 bps | |
| Efficiency Ratio | 90.27% | 90.11% | 85.93% | 94.19% | 91.54% | +126 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.33% | -0.70% | -0.15% | -0.08% | 1.78% | +311 bps | |
| Loan Growth (YoY) | 2.65% | 3.73% | 6.45% | 8.98% | 8.20% | +555 bps | |
| Share Growth (YoY) | -3.03% | -1.96% | -2.14% | -1.69% | 0.27% | +330 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.42% | 0.32% | 0.89% | 0.80% | +32 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.35% | 12.44% | 12.60% | 12.50% | 12.47% | +12 bps | |
| Net Worth / Assets | 12.35% | 12.44% | 12.60% | 12.50% | 12.47% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.00% | 68.85% | 71.67% | 71.50% | 72.30% | +530 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |