Amarillo, TX · Charter 67651
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
73
Asset Quality
7
Profitability
55
Liquidity
91
Efficiency
28
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.
Amarillo, TX · Charter 67651
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 | -0.51% | -0.47% | -0.84% | 0.54% | 0.33% | +84 bps | |
| Return on Equity | -2.75% | -2.54% | -4.64% | 2.94% | 1.76% | +451 bps | |
| Net Interest Margin | 5.32% | 5.40% | 5.43% | 5.64% | 5.70% | +38 bps | |
| Efficiency Ratio | 102.24% | 101.78% | 102.12% | 83.30% | 89.48% | -1,277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.07% | 0.42% | -1.13% | -3.38% | -1.73% | -167 bps | |
| Loan Growth (YoY) | -18.91% | -11.01% | -11.47% | -2.58% | -3.57% | +1,534 bps | |
| Share Growth (YoY) | 0.12% | 0.99% | -0.33% | -3.20% | -1.57% | -169 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.50% | 4.95% | 4.81% | 3.42% | 2.86% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.16% | 1.64% | 1.35% | 1.17% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.68% | 18.54% | 18.20% | 18.41% | 18.58% | -10 bps | |
| Net Worth / Assets | 18.68% | 18.54% | 18.20% | 18.41% | 18.58% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.93% | 74.49% | 69.76% | 69.97% | 69.48% | -144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amarillo, TX · Charter 67651 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.33%
Rank 153 of 235
Net Interest Margin
5.67%
Rank 7 of 235
Efficiency Ratio
90.40%
Rank 170 of 235
Equity / Assets
18.57%
Rank 63 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.17% | 0.57% | 1.10% | Beats 35% | 153 / 235 | |
| Return on Equity | 1.79% | 1.03% | 4.30% | 7.58% | Beats 32% | 160 / 235 | |
| Net Interest Margin | 5.67% | 3.32% | 3.89% | 4.35% | Beats 97% | 7 / 235 | |
| Efficiency Ratio | 90.40% | 70.60% | 82.00% | 91.57% | Beats 28% | 170 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.85% | 0.20% | 0.59% | 1.14% | Beats 7% | 219 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.57% | 11.30% | 14.41% | 19.49% | Beats 73% | 63 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.57% | 11.30% | 14.41% | 19.49% | Beats 73% | 63 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.47% | 54.18% | 67.38% | 81.66% | 53rd pctl | 111 / 235 | |
| Loans / Assets | 55.95% | 43.80% | 56.63% | 68.64% | 49th pctl | 120 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||