Midland, TX · Charter 67642
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.13% | -0.48% | -0.56% | 0.15% | 0.35% | 0.11% | 0.18% | +74 bps | |
| Return on Equity | 5.25% | 1.09% | -3.89% | -4.52% | 1.18% | 2.78% | 0.90% | 1.47% | +599 bps | |
| Net Interest Margin | 4.55% | 4.56% | 4.57% | 4.61% | 4.63% | 4.73% | 4.36% | 4.43% | -18 bps | |
| Efficiency Ratio | 81.68% | 83.07% | 89.35% | 90.27% | 90.11% | 85.93% | 94.19% | 91.54% | +126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | -2.21% | -0.60% | -1.33% | -0.70% | -0.15% | -0.08% | 1.78% | +311 bps | |
| Loan Growth (YoY) | 7.91% | 10.87% | 6.60% | 2.65% | 3.73% | 6.45% | 8.98% | 8.20% | +555 bps | |
| Share Growth (YoY) | -2.01% | -3.01% | -1.82% | -3.03% | -1.96% | -2.14% | -1.69% | 0.27% | +330 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 0.63% | 0.46% | 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 | 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 | 12.14% | 12.30% | 12.23% | 12.35% | 12.44% | 12.60% | 12.50% | 12.47% | +12 bps | |
| Net Worth / Assets | 12.14% | 12.30% | 12.23% | 12.35% | 12.44% | 12.60% | 12.50% | 12.47% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.07% | 65.89% | 64.51% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |