Amarillo, TX · Charter 67651
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 | 0.14% | 0.13% | 0.22% | -0.51% | -0.47% | -0.84% | 0.54% | 0.33% | +84 bps | |
| Return on Equity | 0.73% | 0.68% | 1.19% | -2.75% | -2.54% | -4.64% | 2.94% | 1.76% | +451 bps | |
| Net Interest Margin | 5.94% | 5.93% | 5.56% | 5.32% | 5.40% | 5.43% | 5.64% | 5.70% | +38 bps | |
| Efficiency Ratio | 93.39% | 92.97% | 98.15% | 102.24% | 101.78% | 102.12% | 83.30% | 89.48% | -1,277 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | -0.69% | 2.01% | -0.07% | 0.42% | -1.13% | -3.38% | -1.73% | -167 bps | |
| Loan Growth (YoY) | -4.92% | -8.30% | -17.26% | -18.91% | -11.01% | -11.47% | -2.58% | -3.57% | +1,534 bps | |
| Share Growth (YoY) | -0.57% | -1.12% | 2.02% | 0.12% | 0.99% | -0.33% | -3.20% | -1.57% | -169 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.24% | 1.07% | 3.47% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 1.07% | 0.67% | 1.07% | 1.16% | 1.64% | 1.35% | 1.17% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.94% | 18.83% | 18.53% | 18.68% | 18.54% | 18.20% | 18.41% | 18.58% | -10 bps | |
| Net Worth / Assets | 18.94% | 18.83% | 18.53% | 18.68% | 18.54% | 18.20% | 18.41% | 18.58% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.54% | 78.53% | 69.53% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |